本科论文目录摘I引言2.1国民生产总值增长速度42.2经济下行带来的后果..·42.3经济下行的原因分析.53经济下行对保险行业的影响..·73.1对投资收益的影响...73.2对保费收入的影响..·7894经济下行背景下保险行业的发展策略94.1加强行业创新..94.2推动转型升级104.3定向培养人才104.4促进行业规范..10结1213致15本科论文摘要中国保险行业经历了七十年的艰苦奋斗，虽然中间停业了二十多年，但是在改革开放之后飞速蓬勃发展。如今的中国保险市场是全世界第二大的保险市场，数值上来说，总保费超过30000亿元、总资产达到了170000亿元。从中国保险市场的业务结构和市场环境来看，我国保险业还是有较大的发展前景和空间。尽管目前国家经济发展势头强劲且维持着很高的增长速度，但由于“短、中、长”三种经济周期影响，已经显现出经济下行的态势。中国各个行业都受到了经济发展速度变缓的影响。随着社会经济的发展，保险行业也在不断的演变和发展，目前是组成现代社会制度中重要的一部分，对社会的稳定和经济的发展有着重要的推动作用。中国保险行业自创立以来，在几十年的时间里取得了飞速的进步。但是，近年来，由于单边贸易主义和贸易保护主义加重，导致世界经济的增长速度明显变慢。我国经济的下行压力受到世界环境的影响明显增大。这样的经济形势下，许多行业都面临着史无前例的挑战，保险行业同样也受到了大环境的影响。在现在经济下行的背景下，是机会也是挑战，保险行业迫切需要探索新的发展战略，才能够实现行业的持续健康发展。关键词：保险行业：经济下行；发展策略本科论文AbstractChina's insurance industry has been doing a lot for 70 years and has beenclosed for over 20 years.It developed rapidly after reform and opening.Insurance China's insurance market ranks second in the world and is a lot ofmarkets,with 17 trillion yuan in total assets worth several trillion yuan inreturn.China's commercial insurance In view of the market structure andcompetition,China's insurance industry hopes that there is still room fordevelopment.At present,the dynamics of domestic economic development are strongand maintain high growth rates,but the economy is showing a downwardtrend due to three economic cycles of "short-term,medium-term andlong-term".All industries in China are affected by the slowdown in economicdevelopment.Along with socio-economic development,the insurance sector hascontinually developed and developed,and now,as an important element ofthe modern social system,it plays an important role in promoting socialsecurity and economic development.From the beginning,the Chineseinsurance industry has grown rapidly over the past decade.However,in thepast year,the strengthening of trade and unilateral trade protection havesignificantly slowed the growth rate of the global economy.The downwardpressure on the Chinese economy is greatly influenced by the globalenvironment.In this economic environment,many industries are facingunprecedented challenges,and the insurance sector is also affected by theenvironment.Now in the background of the economic downturn,isopportunity and challenge,the insurance industry is an urgent need to explorenew development strategy,to realize the sustainable and healthy developmentof the industry.Keywords:economic downturn;insurance industry;development strategy