While developing new insurance types, the insurance company should consider the needs of the market, adhere to the rules of gradation and serialization and make them favorable in order to form its own core competitiveness;
The essay points out the weak aspects in the non-life insurance as below: poor level and low density of the insurance, lack of the market topic, singleness in insurance types, insufficient market competency and low progress of the marketization.
However, the fast development of the insurance industry is hampered by the single form of insurance organization, i.e., state-owned company, corporation mainly controlled by state-owned capital and joint venture, similar structure of insurance type, and the like.
In a word, this text has carried on research to insurance of the home mortgage more systematically and in an all-round way, has proposed some new views, has designed some new insurance kinds, has perfected the insurance kind structure of the personal mortgage goods housing loan insurance of our country to a certain extent;
With entry into WTO,the industry of Chinese domestic insurance face great pressure of market competition. Now the Chinese domestic insurance company should improve the service quantity,and develop the new insurance category,so as to survive the tough market and seek new space for development.