The Leather Industry Is Vulnerable To Heavy Rain, And The Insured Rate Is High.

Recently, a torrential rain has hit southern China, and every county and city has suffered from it. At present, all localities are paying close attention to the flood situation and actively taking various measures to defend it.

The leather shoes industry in southern China is relatively concentrated, which has been greatly affected by the floods. According to the findings of the investigation, the leather industry is liable to be affected by torrential rain, and the insurance rate is relatively high.

Zhejiang is a typical small and medium-sized enterprise Province, small and medium-sized enterprises have become an important force to promote economic growth.

By the end of 2006, there were 113 SMEs in the province, accounting for 99.6% of the total number of enterprises, and the contribution rate of tax revenue and the contribution rate of employment reached 86.5% and 95.7% respectively.

In order to grasp the current situation of small and medium-sized enterprises' insurance coverage and constraints, and promote the insurance industry to better serve the development of SMEs, the Zhejiang Insurance Regulatory Commission recently took 1220 small and medium-sized enterprises in the whole province to conduct a questionnaire survey according to the definition of "Interim Provisions on SME standards" (the [2003]143 of the state economy and trade SMEs), and visited small and medium-sized enterprises in Shaoxing and Taizhou on the spot. By holding a special symposium and listening to the opinions and suggestions of the local government, small and medium enterprises and insurance companies representatives, the related issues of property insurance for small and medium-sized enterprises were investigated.

First, the basic situation and characteristics of SMEs' participation in insurance

According to incomplete statistics, as of the end of 2006, Zhejiang province (excluding Ningbo and the same below) had 82491 small and medium-sized enterprises participating in property insurance, accounting for 7.3% of the total number of small and medium-sized enterprises.

In 2006, the premium premiums for SMEs, liability insurance and credit guarantee insurance were 1 billion 342 million yuan, 278 million yuan and 16 million yuan respectively, and the risk protection amount was 1 trillion and 38 billion 931 million yuan, 1 trillion and 415 billion 567 million yuan and 9 billion 495 million yuan respectively.

The survey shows that high risk enterprises with high risk of flood, fire and explosion have a higher rate of participation, for example, the manufacturing industry accounts for 29.42%, the textile industry accounts for 11.84%, the chemical industry accounts for 9.12%, the clothing industry accounts for 6.67%, and the leather industry accounts for 4.04%.

The main characteristics of SMEs' participation are as follows:

(1) the insured area is low.

In the 2004-2006 years, the number of small and medium enterprises in Zhejiang was 64923, 84843 and 82491 respectively, and the insured rates were 6.5%, 8.1% and 7.3% respectively, far lower than those in Guangdong and Jiangsu provinces.

A large number of SMEs are separated from the insurance service system.

(two) insurance coverage is concentrated.

Enterprise property insurance is the most important insurance category for small and medium enterprises, which accounts for 82% of the total premium in 2006, and the most concentrated insurance is property comprehensive insurance, followed by property insurance and property basic insurance.

On the contrary, small and medium-sized enterprises, such as insurance liability insurance and credit guarantee insurance, have less insurance premiums, accounting for 17% and 1% respectively.

(three) the phenomenon of inadequate insurance is more prominent.

The survey shows that in 2006, there were 55876 small and medium enterprises with an insurance amount of less than 5 million yuan, accounting for 67.7%; 8206 yuan, 5 million yuan -1000 million, accounting for 9.9%; 8466 yuan of 10 million yuan -3000 million, accounting for 10.26%; 30 million yuan 30 million yuan, accounting for more than 10276.

The distribution of insurance amount is uneven, and the insurance assets of enterprises are relatively low.

(four) the regional distribution characteristics of the insured enterprises are obvious.

Over the past 3 years, the number of small and medium-sized enterprises in Hangzhou, Shaoxing, Jiaxing and Jinhua has been more and relatively stable, accounting for 72.26%, 59.5% and 75.25% of the insured enterprises in the same year.

The coastal areas of Wenzhou, Taizhou and other coastal areas were affected by typhoon disasters and underwriting policies of insurance companies. The number of insured groups fluctuated greatly, for example, in 2004, the number of insurance companies in Wenzhou was 5194, and in 2005 it was 20247, while in 2006 it was reduced to 4595.

Two, the main manifestations and causes of SMEs' "difficulty in participating in insurance"

The insurance demand of small and medium-sized enterprises is a kind of induced, discontinuous and multi-level demand, which is easily influenced by the industry environment and geographical environment.

At present, the overall business environment of SMEs is lagging behind, and some institutional constraints remain to be solved. "Market dislocation" or "market vacancy" can hardly be eliminated in the short term, and the insurance demand of some SMEs is not satisfied.

The main manifestations are:

(1) the demand for insurance in high-risk industries and regions is strong, while the supply of insurance is prudent, and some small and medium-sized enterprises have difficulty in participating in insurance.

From the perspective of regional distribution, SMEs in Zhejiang province are mainly concentrated in southeastern areas such as Wenzhou and Taizhou. Due to frequent typhoon and flood disasters, local SMEs have strong demand for insurance products such as property insurance and all risks, including typhoon, rainstorm, flood and other floods. However, insurance companies have generally suffered huge losses in business, property and insurance businesses. For example, the average compensation rate of insurance companies in Wenzhou and Taizhou has reached 295.4% and 352.6% over the past three years.

This leads to a series of contradictions: first, the contradiction between the loss of insurance and the continuous low level of insurance prices caused by the huge insurance compensation; the two is the contradiction between the strong insurance intention and the underwriting ability of the insurance company; the three is the contradiction between the commercial operation of the insurance company and the social responsibility.

Under the strict examination of their respective companies, the insurance branch can only tighten the underwriting conditions, and treat the enterprises differently according to the management capability and the compensation situation over the years, resulting in some high risk and poor management small and medium-sized enterprises taking off insurance and forming a "market vacancy".

(two) some of the insurance products are poorly targeted and the insurance liability is too narrow. It is more difficult for small and medium-sized enterprises to choose reasonable insurance products for insurance.

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