居民火灾是社会问题。我国的保险业经过改革开放20多年的发展,在市场竞争规模、经营管理手段、经营方式等方面都积累了许多成功经验,但在火灾保险尤其是个人财产的防灾防损等方面尚未提高到较高层面上,与公安消防机构在防灾防损方面还没形成理想的工作互动机制。 Residents fire is a social problem. After more than 20 years of reform and opening up, the insurance industry in our country has accumulated many successful experiences in terms of market competition scale, operation and management methods and management methods, but has not yet been raised in respect of disaster prevention and loss prevention of fire insurance, especially personal property. At a higher level, it has not formed an ideal interactive mechanism for work with public security and fire fighting agencies in disaster prevention and loss prevention.