一、主要工作任务(一)优化险种,调整结构,重点抓好效益好的保险业务财产险一直是效益较好的险种,今年要下功夫大力发展,要注重加大保费收入和城市业务的比重。企财险要不断挖潜创新;货运险要在巩固的基础上,大规模、高速度地发展;机动车辆险要立足竞争,狠抓风险控制,降低赔付率;家财险要长短并重,积极发展长效险;新险业务要将重点放在产品责任险、钞票平安险、 食品卫生责任险、建筑安装险等既有规模又有效益的险种上,抓住时机,大力开发。人身险要着重发展各种养老金保险和短期险业务,积极吸收个人交费的散户业务。涉外保险要集中力量发展货运险、非水险和航空人身险,加大外币业务的承保比重。各地县公司和省公司各业务处要对近年来开办的险种逐个进行调查、分析和研究,分类排队,对那些亏损大、无效益的险种和经常受灾索赔的大户,要采取停办缓办、修订条款和费率、提高承保条件、限定赔偿责任范围、落实防灾防损措施等办法予以限制。 First, the main tasks (A) to optimize the insurance, adjust the structure, focusing on good and effective insurance business Property insurance has always been a good benefit of the insurance industry, this year should make great efforts to develop, we should focus on increasing premium income and the proportion of urban business . Wealth should continue to tap potential innovation; cargo insurance to be consolidated on the basis of large-scale, high-speed development; motor vehicle insurance should be based on competition, pay close attention to risk control and reduce the rate of loss; both property should pay equal attention to the length and length, and actively develop long-term Insurance; new insurance business should focus on product liability insurance, bank notes Ping An Insurance, food hygiene liability insurance, construction and installation of insurance, both the scale and effectiveness of the insurance, seize the opportunity and vigorously develop. Personal insurance should focus on the development of a variety of pension insurance and short-term insurance business, and actively absorb the personal payment of retail business. Foreign-related insurance should focus on the development of cargo insurance, non-marine life insurance and aviation insurance, increase the proportion of underwriting of foreign currency business. All county-level and provincial-level companies throughout the country should conduct investigation, analysis and research on the types of insurance they have started in recent years and classify them in groups. For those large-scale and inefficient insurance claims and those who are often affected by the disaster, Terms and rates, raising underwriting conditions, limit the scope of liability, implementation of disaster prevention and loss prevention measures to be limited.