我国寿险市场发展中存在的问题及其对策

发布时间：2018-04-01 16:35

本文选题：寿险市场　切入点：诚信　出处：《学术交流》2013年04期

【摘要】：近年来,我国寿险市场健康、稳定、持续发展。原保险保费收入平稳增长;市场体系进一步完善,市场集中度下降明显;业务结构进一步改善。我国寿险业在经济中的地位日渐重要,已成为推动我国经济发展和维护社会稳定的重要力量。然而,我国寿险市场在发展中也存在着诸多的问题,如:个体利益作祟,市场诚信缺失严重;产品无法满足需求,产品创新动力不足;服务流于表面,缺乏内涵品质;过度追求保费规模,难保公司持续发展。针对这些问题,我国应该从立体诚信系统、净化从业环境,保护知识产权、鼓励产品创新,重视关系管理、推进深层服务及加强文化建设、促进长远发展等方面做出努力,以保证我国寿险市场的可持续发展。
[Abstract]:In recent years, our country life insurance market is healthy, stable, sustainable development.The original insurance premium income grew steadily; the market system was further improved and the market concentration decreased significantly; the business structure was further improved.The life insurance industry of our country is becoming more and more important in the economy and has become an important force to promote the economic development and maintain social stability in our country.However, there are many problems in the development of life insurance market in our country, such as: personal interest, serious lack of market integrity; products can not meet the demand, product innovation power is insufficient, service flow on the surface, lack of connotation quality;Excessive pursuit of premium scale, difficult to protect the sustainable development of the company.In order to solve these problems, our country should make efforts in the following aspects: stereoscopic credit system, purifying the working environment, protecting intellectual property rights, encouraging product innovation, attaching importance to relationship management, promoting deep service, strengthening cultural construction, and promoting long-term development.In order to ensure the sustainable development of our life insurance market.
【作者单位】：浙江金融职业学院投资与保险系;
【分类号】：F842.6

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