The developed countries that compete with Britain in the international insurance market are mainly the United States, Switzerland, the Federal Republic of Germany and Japan. After 1980s, the international insurance market has an excess of underwriting power, and the competition among developed countries is fierce. Excessive underwriting power means that it is difficult to maintain normal insurance rates, so the quality of business is declining. The two sides of the competition are Britain and the United States. Among them, Marsh-Mackley South Brokerage Company's acquisition of Bowling Brokerage Company, a subsidiary of Lloyd's Insurance Company, is the most striking. The United States also established the New York Insurance Exchange on March 3 1, which is also a measure to prevent the outflow of insurance foreign exchange. 1. Organizational form of joint-stock insurance. In the ranking list of the top 50 insurance companies in the world, most of them are joint-stock insurance companies, and most of the international insurance companies are in the form of joint-stock companies. Judging from the development trend, the insurance companies in the form of joint-stock system will have further development.
2. Organizational forms of cooperative insurance. It is an insurance entity funded by individuals or units that need insurance. Cooperative insurance organizations usually take the form of companies and are active in the insurance market in the form of mutual insurance companies.
3. Organizational forms of individual underwriting commercial insurance. Lloyd's insurance market in London, England mainly adopts individual underwriting, which has a history of more than 300 years. According to Lloyd's law, the required deposit is paid, and all its assets are used as the guarantee to perform the responsibilities. Individual members form a syndicate to accept special business. However, in recent years, Lloyd's market has also introduced the form of limited liability companies to guide individual insurers to form limited companies. 1. Major property insurance. The development of science and technology has promoted the development of transportation industry. Automobile transportation insurance, railway transportation insurance and aircraft transportation insurance have emerged and developed one after another, and then become the main types of property insurance, and the scope of responsibility of each type of insurance has also improved.
2. Expansion of insurance types. With the progress of society and the perfection of legal system, liability insurance has been enriched in the insurance field: some of them become additional risks and are underwritten in legal form; Some become independent insurance and refine them. For example, public liability insurance is divided into place liability insurance, elevator liability insurance and personal liability insurance.
3. Insurance coverage. With the development of modern science and technology, the scope of insurance liability is also expanding. If the flight speed of the aircraft increases and the passenger capacity increases, the corresponding requirements for property insurance and liability insurance will also be improved, and the scope of insurance will also be expanded, forming insurance systems such as aircraft fuselage insurance, third party liability insurance, passenger and cargo liability insurance, airport liability insurance and war risk.
4. Intangible asset insurance. The development of new science and technology has promoted the emergence of new industries and new processes. For example, the power revolution has brought about the widespread use of motors and generators, so property insurance has increased all risks of installation and machine damage, and then extended to insurance of intangible assets, such as loss of profits or business interruption.
5. Credit insurance came into being. With the flow of international capital, the expansion of capital export scale and the development of multinational companies, investors may encounter foreign exchange risks and credit risks, especially the diversification of international payment methods, and export credit insurance came into being.
6. Changes in life insurance. With the improvement of living standards and the extension of human life, the content of personal security has changed from life security to quality of life and medical care insurance, and the degree of security also reflects the characteristics of the times-high insurance.
7. Development of technical insurance. With the invention and application of high technology, the popularization of container transportation, the construction of nuclear power plants, the launch of space satellites and the formation of computer networks, insurance presents new development prospects-container transportation insurance, satellite launch insurance and computer crime insurance have been launched one after another. 1. Select a comprehensive insurance package. In order to adapt to the fast pace of modern life, it is necessary to implement simple and easy insurance methods to meet the diversified security needs of policyholders. Insurance companies provide "comprehensive package insurance", so that policyholders can obtain multiple guarantees by signing insurance policies.
2. Increase the choice of insurance technology. That is, the liability scope of basic insurance is relatively limited to the main risks, and then the insured can obtain specific and appropriate protection for his insured object through the allocation of various additional risks or the selection of special terms. For example, in addition to corporate property insurance, commercial enterprises can also attach commercial theft and emergency rescue.
3. Improve the accuracy of underwriting technology. Modern insurance has a wide variety, rapid development and strong comprehensiveness. Insurance underwriting personnel need to master the knowledge of multiple types of insurance to meet the underwriting needs of various types of insurance brought about by scientific and technological progress, such as adapting to the changes of risk factors in fire insurance, liability insurance and labor compensation insurance, and adjusting the scope of responsibility. Therefore, the technical requirements for underwriting operations are more detailed, so the technical quality of underwriting personnel is higher and the underwriting accuracy is constantly improved.
4. Leading in science and technology and strengthening risk management. Risk management and loss control in contemporary insurance field are increasingly showing the connotation of its advanced technology. Insurance companies in various countries can use advanced electronic computer data systems and computer networks to implement scientific business arrangements and management; In loss control, everyone pays attention to establishing the business policy of "prevention is more important than compensation" and using advanced prevention technology. 1. Expansion of international insurance relations. The development of world economic integration will inevitably lead to the continuous flow of insurance elements around the world, and many countries and regions will continue to participate in it, forming new international insurance relations and expanding the scope of international insurance relations.
2. The scale of international insurance relations has expanded. The international flow of insurance elements promoted by the development of world economic integration has made participating countries or regions form new international insurance relations and promoted the increase of international insurance relations.
3. The level of international insurance relations has improved. The integration of the world economy has promoted bilateral and multilateral international insurance relations between two or more countries, which has continuously improved the level of international insurance relations.
4. Competition in international insurance relations has intensified. The integration of the world economy not only promotes the international flow of insurance elements, but also intensifies the competition in the international insurance market.
5. International insurance relations have developed well. The formation of the worldwide opening-up trend has promoted the rational flow of insurance elements around the world, promoted the development of international insurance relations, and enabled international insurance relations to have room for further development and a good development trend. 1. High-tech progress-the development of online insurance-the new development of international insurance relations. Internet breaks the boundary between time and space, infinitely increases the contact opportunities between enterprises and potential customers, improves the speed and scale of transactions, reduces the cost of consultation and transactions, simplifies the links of transactions, and makes it possible to provide fast and convenient personalized services and self-help services. Network insurance, a new sales model, is promoting the revolutionary change of traditional insurance sales model, and the infinite characteristics of network in time and space will promote the rapid development of international insurance relations.