Category: Insurance tips Release Date: 2006-08-01
Individual and private enterprises as a socialist commodity economy, added that the years of reform and opening up have developed rapidly
However, very few individual private insurance, what reasons?
The first is the insurance awareness of the individual owners of private enterprises weak, they are willing to tens of thousands of meal, but ignored the hundreds of yuan premium anomalies mean, this is the beginning of the reform as part of the individual to get rich first, the quality of the private entrepreneurs themselves.
Followed by the insurance companies are not interested in this type of business for many reasons: First, the accounts of such enterprises confusion, prone to the insurance disputes; Second, business owners in a varying quality, moral hazard is higher; 3 is a single all Paul fee at the end, the cost of sales is high; Fourth, the level of integrated management of these enterprises is poor, an integrated payment rate is high.
Associated with enterprise restructuring, including private businesses, the total assets is increasing, and this market growing importance of insurance companies; while individual private enterprises, the hard business is not easy, how to defend the use of insurance for themselves is also important. Such as the 98-year in January Jiamusi Hualian Business Building fire, damage to over 270 individual industrial and commercial households, only 40 more than the insured; 98 years in June ahead of Wuhan City, the computer fires, more than 200 computers and other merchants were reduced to ashes, only a few insured; 99 wholesale markets in Beijing Hualong lamps, furniture, Beijing City, Shanghai textile market, and so hope the above the contents of the insurance companies, have implications for the individual owners of private enterprises.
