In Zhejiang Southeast coastal areas, especially Wentaining areas, nearly suffer typhoon, flood disasters every year. The statistics shows that when there is a typhoon and flood disaster, the city's property insurance company (hereinafter referred to as insttrance companies) should pay varies from tens of millions, to as many as several hundred millions. Although in recent years, there is a certain understanding of business enterprises risk in southeast coastal areas and the business structure has property adjusted, there are still problems of slow structural adjustment and slow decline in the proportion.%浙江东南沿海地区,特别是温台宁地区,几乎每年都要遭受台风、洪水灾害.经统计,一次台风、洪水灾害,全市财产保险公司(以下简称保险公司)都要赔付少则数千万元,多则几个亿.虽然近几年.浙东南沿海地区保险公司对企财险业务的风险性有了一定的认识,业务结构也逐步得到了一些调整,但仍然存在结构调整速度不快,比例下降缓慢的问题.
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