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近年来,我国商业保险蓬勃发展,与国计民生密切相关的人身险、车险、农险、责任险等领域的覆盖面和渗透度明显提高,服务经济社会发展的能力不断增强。但是,由于保险行业一段时期内的粗放经营等众多因素,造成商业保险公信力不足,这是制约保险企业乃至整个行业持续健康发展的深层次原因。如何采取有力措施提升商业保险公信力,将成为保险行业的重要课题。
In recent years, with the rapid development of commercial insurance in our country, the coverage and penetration of life insurance, auto insurance, agricultural insurance, liability insurance and other areas closely related to the national economy and the people’s livelihood have been significantly enhanced, and their ability to serve economic and social development has been continuously enhanced. However, due to the extensive operation of the insurance industry for a period of time and many other factors, the credibility of commercial insurance is not enough, which is the deep reason that restricts the sustainable and healthy development of insurance enterprises and the entire industry. How to take effective measures to enhance the credibility of commercial insurance will become an important issue in the insurance industry.