摘要：新世纪以来，随着我国经济的不断发展，尤其是我国金融业的不断发展，如何建立协调高效的金融监管体系已经成为了我国的金融创新发展模式和促进金融业快速发展的重要议题。本文首先从财产保险制度的含义着手，在充分阐明其内涵的基础上描述我国建立财产保险制度的必要性，并进一步分析建立这一制度面临的困难和需要结局的问题，最后为财产保险制度的建立描述了模式。

关键字：财产保险  金融机构  监督

Abstract: Since the beginning of the new century, with the continuous development of China's economy, especially in the continuous development of China's financial industry, how to establish a coordinated and efficient financial regulatory system has become an important issue for China's financial innovation development model and promote the rapid development of the financial sector. Firstly, proceed from the meaning of the property insurance system, described fully clarify its meaning based on the need to set up a property insurance system in China, and further analysis of the establishment of the difficulties faced and the outcome of such a system, the last property insurance system constructed to describe the mode.

Keywords: Property insurance；Financial institutions；Supervise