《财产保险意义和用功介绍》由会员分享，可在线阅读，更多相关《财产保险意义和用功介绍（66页珍藏版）》请在金锄头文库上搜索。
1、保险的意义与功用财产保险法人业务部:陈道明Evaluation only.Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0.Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd.Copyright 2004-2011 Aspose Pty Ltd.课程大纲保险概述产险的功能与作用发展产险的意义Evaluation only.Evaluation
2、 only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0.Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd.Copyright 2004-2011 Aspose Pty Ltd.保险概述保险概述Evaluation only.Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile
3、5.2.0.0.Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd.Copyright 2004-2011 Aspose Pty Ltd.什么是保险？产险与寿险的区别产险各险种介绍Evaluation only.Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0.Created with Aspose.Slides for .NET 3.5 C
4、lient Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd.Copyright 2004-2011 Aspose Pty Ltd.保险是什么？是大多数人合作，以分散风险消化损失的一种经济制度。什么是保险?用一定的经济支付换取风险的转移和获得经济补偿。Evaluation only.Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0.Created with Aspose.Slides for .NET 3.5 Client Prof
5、ile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd.Copyright 2004-2011 Aspose Pty Ltd.保险的意义只是今天作明天的准备，父母作儿 女的准备，儿女幼小时作儿女长大时的准备。今天预备明天，这是真稳健；生时预备死时， 这是真豁达；父母预备儿女，这是真慈爱。什么是保险?Evaluation only.Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0.Created with Aspose.Slides for .NE
6、T 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd.Copyright 2004-2011 Aspose Pty Ltd.别人都说我很富有，拥有很多的财富，其实真正属于我个人的财富，是给自己和亲人购买了充足的人寿保险。 什么是保险?Evaluation only.Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0.Created with Aspose.Slides for .NET 3.5 Client Pr
7、ofile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd.Copyright 2004-2011 Aspose Pty Ltd.商业保险是指投保人根据保险合同约定，向保险人支付保险费，保险人对于合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任，或者当被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限时承担给付保险金责任的商业保险行为。什么是商业保险?Evaluation only.Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0
8、.0.Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd.Copyright 2004-2011 Aspose Pty Ltd.保保 险险商业保险商业保险社会保险社会保险政策保险政策保险强制保险强制保险自愿保险自愿保险原保险原保险再保险再保险按保险性质分：按实施方式分：按危险转移层次分：保险的分类Evaluation only.Evaluation only. Created with Aspose.Slides for .NET 3.5 Clien
9、t Profile 5.2.0.0.Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd.Copyright 2004-2011 Aspose Pty Ltd.按保险对象分：保险保险人身保险人身保险财产保险财产保险保险保险寿险寿险非寿险非寿险中国国际保险的分类Evaluation only.Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0.Cr
10、eated with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd.Copyright 2004-2011 Aspose Pty Ltd.寿险定义： 寿险是以被保险人的生命生命为保险标的，以生生 存存和死亡死亡为给付保险金条件的人身保险。什么是寿险?Evaluation only.Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0.Created with Asp
11、ose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd.Copyright 2004-2011 Aspose Pty Ltd.财产保险的定义： 财产保险是指投保人根据合同约定，向保险 人交付保险费，保险人按保险合同的约定对 所承保的财产及其有关利益财产及其有关利益因自然灾害或意自然灾害或意 外事故造成的损失外事故造成的损失承担赔偿责任的保险。 什么是财产保险?Evaluation only.Evaluation only. Created with Aspose.Slides for
12、.NET 3.5 Client Profile 5.2.0.0.Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd.Copyright 2004-2011 Aspose Pty Ltd.该商厦在中保财 险吉林市分公司 投保企业财产险 ，事故发生后共 获得赔偿400余 万元。财产损失保险Evaluation only.Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Prof
13、ile 5.2.0.0.Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd.Copyright 2004-2011 Aspose Pty Ltd.财产损失保险是指以财产及其相关利益为保险标的，因保险事故的发生导致财产损失，以金钱和实物进行补偿的一种保险。商业财产损失保险主要包括：火灾保险、货物运输保险、运输工具保险、工程保险和农业保险。财产损失保险Evaluation only.Evaluation only. Created with Aspose
14、.Slides for .NET 3.5 Client Profile 5.2.0.0.Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd.Copyright 2004-2011 Aspose Pty Ltd.在中百商厦火灾事故中丧生的54人，其各自 家属在事故后获得每人8万元的赔偿。但该企 业未投保相关责任险，保险公司不负责赔偿 。责任保险Evaluation only.Evaluation only. Created with Aspose.Sl
15、ides for .NET 3.5 Client Profile 5.2.0.0.Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd.Copyright 2004-2011 Aspose Pty Ltd.责任保险又称第三者责任保险，是指被保险人对第三者应负损害赔偿责任时，由保险人承担其赔偿责任的一种保险。责任保险主要包括公众责任保险、雇主责任保险、产品责任保险、职业责任保险等。责任保险Evaluation only.Evaluation only.
16、Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0.Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd.Copyright 2004-2011 Aspose Pty Ltd.我国责任保险保费收入仅占总收入3%左右，远远低于发 达国家30%的水平。作为国家保险发展程度的象征，责任保险 在我国发展的空间还很大。责任保险其它险 4.76%责任险 3.15%货运险 6.19%意外险 1.63%企财险 8.44%工程险 2.65%机动车 70.77%家财险 2.42%Evaluation only.Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0.Created with Aspose.Slides for .NET
