中国社会经济在蓬勃发展,保险业也在不断进步,并且在经济社会发展中发挥着日益重要的作用。以风险分析的方法来推进财产保险业的发展,其重要性不言而喻,虽然风险分析还存在有待改进之处,经验和定性方法多,但是我们仍然需要它们的存在。具体而言,财产保险风险分析方法主要有:德尔菲方法、故障树法、筛选──监测──诊断方法。 China’s social economy is booming. The insurance industry is also making continuous progress and playing an increasingly important role in economic and social development. The importance of advancing the development of the property and casualty insurance industry by means of risk analysis is self-evident. Although there are still areas for improvement, experience and qualitative methods in risk analysis, we still need their existence. Specifically, property insurance risk analysis methods are: Delphi method, fault tree method, screening ─ ─ monitoring ─ ─ diagnostic methods.