PAGEIII摘要随着国家经济持续稳健增长，扶贫工作的深入推动，居民可支配收入的不断提高，社会风险意识的提升，居民对自身和家庭的风险保障重视程度也日渐提升，人们开始关注保险，购买保险。有一句话是这样说的，意外和明天你不知道哪一个先来，而商业意外保险，在各种自然灾害和意外伤害频繁发展的今天，无疑是像一颗定心丸般的存在，在社会保障体系中发挥着重要的补充作用。本文集中阐述了广州作为一线城市，在居民的生活水平和文化水平普遍较高的情况下，以广州市作为分析地点，通过收集的数据整理和分析广州市2014-2018年商业意外险发展的现状，挖掘其发展存在的问题，进而探讨出广州市商业意外险的发展策略，促进广州市商业意外险的发展。本文通过对广州市2014-2018年商业意外险数据分析，挖掘其在发展中存在的问题与提出对策。全文分五个部分：第一部分是引言；第二部分：广州市商业意外险发展的现状；第三部分：广州市商业意外险发展存在的问题；第四部分：改善广州市商业意外险发展存在的问题建议；第五部分：总结。关键词：广州市商业意外险问题与对策ABSTRACTTourismWiththesustainedandsteadygrowthofthenationaleconomy,thein-depthpromotionofpovertyalleviation,thecontinuousincreaseofresidents'disposableincome,theenhancementofsocialriskawareness,andtheincreasingattentionofresidentstoriskprotectionforthemselvesandtheirfamilies,peoplebegintopayattentiontoinsuranceandbuyinsurance.Thereisasayingthatyoudonotknowwhichwillcomefirst,accidentortomorrow.However,intoday'sfrequentdevelopmentofvariousnaturaldisastersandaccidentalinjuries,commercialaccidentinsuranceisundoubtedlyareassuringexistence,playinganimportantsupplementaryroleinthesocialsecuritysystem.Thispaperfocusesontheanalysisofthecurrentsituationofthedevelopmentofcommercialaccidentinsuranceinguangzhouasafirst-tiercity,andthefactorsinfluencingthepurchaseintentionofresidentsundertheconditionthatthelivingstandardandculturallevelofresidentsaregenerallyhigher.ThispaperUSESthequestionnairemethodtoinvestigateandanalyzetheinflu、encingfactorsofcommercialaccidentinsurancepurchaseintentionofguangzhouresidents.Thefulltextisdividedintosixparts:thefirstpartistheintroduction;Thesecondpart:thecurrentsituationofthedevelopmentofguangzhoucommercialaccidentinsurance;Partthree:analysisoftheinfluencingfactorsofguangzhouresidents'purchaseofcommercialaccidentinsurance;Partfour:theproblemsexistinginthedevelopmentofguangzhoucommercialaccidentinsurance;Partv:Suggestionsonimprovingthedevelopmentofguangzhoucommercialaccidentinsurance.Partvi:summary..Keywords:GuangzhouCommercialaccidentinsuranceProblemsandcounter