河南省寿险需求增速放缓问题研究

发布时间：2018-02-07 17:37

本文关键词： 河南省寿险需求增速放缓　出处：《郑州大学》2013年硕士论文　论文类型：学位论文

【摘要】：寿险作为保险的重要组成部分,在人们的日常工作生活中发挥着风险保障、资金融通和社会管理的重要职能,在一国的社会保障制度体系中占有极其重要的地位。河南省地处中原,地广人多,是全国重要的农业、工业和人口大省,随着经济的快速发展,为当地寿险业的蓬勃发展提供了条件。近10多年来,河南省寿险市场发生了翻天覆地的变化,公司数量迅速增加,从2001年的4家到目前的34家,多元化市场初步形成；寿险业务飞速增长,保费收入从2001的近50亿元到2012年的595亿多元,在全国保费收入排名中位居前列,尤其在2006年,寿险市场经过调整,实现了飞速发展,且发展速度快于财险,河南省寿险市场12年间的变迁已经完全改变了当初的模样。然而,良好的发展势头下,近两年出现了保费收入负增长,需求下降、退保等现象。因此,探讨影响河南省寿险需求的因素,分析当前需求低迷的原因,进而探索促进河南省寿险市场健康发展的方式,对我省乃至全国寿险市场的发展具有积极的理论和实践意义。本文主要内容如下：首先,对当前国内外关于寿险需求影响因素的文献进行综述,并对文章的脉络进行简要介绍；其次,结合近10多年来寿险市场供需变化,对河南省寿险市场的历史及现状进行介绍,并从需求总量和需求结构两方面对我省的寿险需求状况进行分析,同时与全国及中部其他五省进行比较。研究发现：在需求总量上,从寿险保费收入、保险密度和保险深度的角度比较可发现：现阶段河南省寿险需求增幅不稳,波动幅度较大,且在近两年需求开始下降。在需求结构上,从险种结构上看,河南省寿险消费的投资型导向日趋明显,保障型产品被忽视；从销售渠道来看,河南省寿险业务主要集中在银邮和个人代理渠道,且趸缴保费占比较高。在区域分布上,需求分布不均衡,经济较为发达的城市寿险需求相对旺盛；而经济不太发达的偏远城市寿险需求相对较小。再次,通过当前对河南省寿险需求现状的分析,发现由于当前宏观经济金融形势复杂,经济增速放缓,财富分配不均衡,人均可支配收入水平增长缓慢：资本市场状况不佳；人们盲目投资,将注意力过多集中于投资收益高的其他金融产品,挤占了对寿险产品的需求是导致近两年河南寿险需求状况下降的主要原因；同时,寿险业自身产品缺乏竞争力,营销渠道单一,保险公司过度依赖银保渠道,寿险公司资产管理模式不合理以及市场竞争秩序不规范等问题的暴露也是导致目前寿险市场需求低迷的原因。最后,为改善当前本省寿险需求增速放缓,提升居民的保险需求提出相关对策建议：加强宣传,提升民众寿险需求意识；完善寿险市场体系,提升产品竞争力；加快销售模式创新及营销体制改革；改进寿险公司资产管理模式以及加强监管,规范市场竞争秩序等。
[Abstract]:As an important part of insurance, life insurance plays an important role in the daily work life of people. It plays an important role in the social security system of a country. Henan Province is located in the Central Plains and has a large population. It is an important agricultural, industrial and population province in China. With the rapid development of economy, Henan Province has provided conditions for the local life insurance industry to flourish. The life insurance market in Henan Province has undergone earth-shaking changes, and the number of companies has increased rapidly, from 4 in 2001 to 34 at present. From nearly 5 billion yuan in 2001 to 59.5 billion yuan in 2012, the premium income ranks in the forefront of the national premium income ranking. Especially in 2006, the life insurance market has been adjusted to achieve rapid development, and the development rate is faster than that of property insurance. The changes in the life insurance market in Henan Province in the past 12 years have completely changed the original appearance. However, under the good development momentum, in the last two years there has been a negative growth in premium income, a decline in demand, a withdrawal of insurance, and so on. It is of positive theoretical and practical significance for the development of life insurance market in Henan Province to explore the factors affecting the demand for life insurance in Henan Province, to analyze the causes of the current low demand, and to explore the ways to promote the healthy development of the life insurance market in Henan Province as well as in the whole country. The main contents of this paper are as follows:. First of all, the domestic and foreign literature on the factors affecting the demand for life insurance is reviewed, and the context of the article is briefly introduced. Secondly, combined with the change of supply and demand in the life insurance market in recent 10 years, the history and present situation of life insurance market in Henan Province are introduced, and the demand situation of life insurance in Henan Province is analyzed from two aspects: total demand and structure of demand. At the same time, it is compared with other five provinces in the whole country and in the middle of China. It is found that in terms of life insurance premium income, insurance density and insurance depth, the increase of life insurance demand in Henan Province is unstable and fluctuating at the present stage. And in the last two years, the demand began to decline. In terms of the structure of demand, the investment orientation of life insurance consumption in Henan Province is becoming more and more obvious, and the safeguard products are ignored; from the perspective of sales channels, the investment orientation of life insurance consumption in Henan Province is becoming more and more obvious. The life insurance business of Henan Province is mainly concentrated in the channels of bank mail and personal agency, and the premium paid by the whole is relatively high. In the regional distribution, the distribution of demand is uneven, and the demand for life insurance is relatively strong in the more developed cities. But the economy is not very developed remote city life insurance demand is relatively small. Thirdly, through the analysis of the current situation of life insurance demand in Henan Province, it is found that the current macroeconomic and financial situation is complex, the economic growth rate is slowing, the distribution of wealth is not balanced, the level of per capita disposable income is increasing slowly, and the capital market condition is not good; People blindly invest and focus too much attention on other financial products with high investment returns, and the demand for life insurance products is the main reason for the decline in the demand for life insurance products in Henan Province in the past two years. At the same time, The life insurance industry lacks competitiveness in its own products, has a single marketing channel, and the insurance companies are over-dependent on the banking and insurance channels. The unreasonable asset management mode of life insurance companies and the exposure of market competition order are also the reasons for the low demand of life insurance market. Finally, in order to improve the current provincial life insurance demand growth slow down, enhance the residents' insurance demand, put forward the relevant countermeasures: strengthen publicity, enhance the awareness of life insurance demand, improve the life insurance market system, enhance the competitiveness of products; We should speed up the innovation of sales model and the reform of marketing system, improve the asset management model of life insurance companies, strengthen supervision, standardize the order of market competition, and so on.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.62

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