长期以来,我国各保险营业机构无论是何种业务,也无论是同属一地或异地,业务上的同业往来始终没有建立起来,直至现在仍然如此。这种状况在计划经济时代以及改革开放初期经济发展还比较落后的情况下还能适合经济发展状况。进入九十年代以后,我国经济日益成熟,走上了高速健康发展的快车道,经济的发展使全国形成了一个有机联系的统一的大市场,国内各地区的经济向其它地区空前开放,人员及财产的跨区域流动日益频繁,客观上要求以人及财产为保险标的的有关保险能够跟随标的的转移,这首先表现在机动车辆保险上。近几年以来,各种挂牌车辆的跨区域转让日渐增多,跨县市、跨地区以及跨省市自治区的车辆抵债情况很多,一个县拥有一批被抵顶给本地的挂有 For a long time, no matter what kind of business each insurance business organization in our country, no matter belong to the same place or different places, the business same trade has never been established, up to now still so. This situation is also suitable for the economic development under the condition of the planned economy and the economic development in the initial period of reform and opening up. Since the 1990s, China’s economy has matured and embarked on a fast track of rapid and healthy development. As a result of the economic development, a unified large market of organic links has formed throughout the country. The economy in various regions in the country has opened to the rest of the world without exception. The cross-regional flow of property is more and more frequent, and objectively requires the insurance covered by people and property as the subject of insurance to follow the transfer of the subject, which is firstly manifested in motor vehicle insurance. In recent years, a variety of listed vehicles cross-regional transfer of increasing, cross-county, trans-regional and inter-provincial autonomous regions of the vehicle debt to a lot of situation, a county has a number of arrived to the local hang