产险公司个险产品降低综合成本与提升销售绩效对接的创新方向

发布时间：2018-07-03 11:12

本文选题：产险公司 + 提升销　；参考：《管理世界》2004年04期

【摘要】：正改革开放以来,我国保险业保持了30％以上的高增长速度,但产险业即使在近年高速发展时期,其增长率也一直在12％左右徘徊,远远落后于寿险市场。同时,非寿险市场上最具增长潜力的个险市场的产品创新速度缓慢,难以有效解决非寿险个人产品单均保费少、市场化程度高、个性化需求大、价格弹性高、传统的展业方式的高成本低效率的问题,导致目前我国产险公司个险产品的创新速度明显落后于寿险个人业务市场和法人非寿险市场。本文从我国产险公司个险产品降低综合成本与提升销售绩效对接的角度出发,提出一些产品创新的方向。 (一)以顾客、产品和产品组合、销售方式这3个纬度为基础的产品销售与价格政策的有效对接以客户关系管理为核心
[Abstract]:Since the reform and opening up, China's insurance industry has maintained a high growth rate of more than 30%, but even in the period of rapid development in recent years, the growth rate of the property insurance industry has been hovering around 12%, far behind the life insurance market. At the same time, the non-life insurance market, which has the greatest growth potential, is slow in product innovation, so it is difficult to effectively solve the non-life insurance individual product single average premium, high degree of marketization, large personalized demand, high price elasticity. Because of the high cost and low efficiency of the traditional exhibition mode, the innovation speed of the individual insurance products of the property insurance companies in our country obviously lags behind the personal business market of life insurance and the non-life insurance market of legal person at present. From the point of view of lowering the comprehensive cost and improving the sales performance of the individual insurance products of Chinese property insurance companies, this paper puts forward some directions of product innovation. (I) effective docking of product sales and price policies based on customer, product and product mix, and sales mode, with customer relationship management as the core
【作者单位】：特华投资博士后站
【分类号】：F842.3

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