长株潭地区农村商业寿险市场发展研究

发布时间：2018-06-12 09:57

本文选题：长株潭地区 + 保险　；参考：《中南林业科技大学》2013年硕士论文

【摘要】：保险业是经营风险的特殊金融行业。中国保监会主席吴定富在第二届“中国保险业创新和发展论坛”上这样说道：“保险是通过县域农村保险的发展进而发挥功能和效果的,必须进一步拓展保险的服务范围和覆盖面积,中国保险业才能够真正强大起来,创立出独具特色的发展道路。”农村的保险事业尤其是农村商业寿险业正处于初期发展阶段,如何促进其健康快速发展,是我们亟需加紧研究的一个重要课题。本文以长株潭地区农村商业寿险市场发展为研究对象,运用商业保险有关理论,结合长株潭地区农村商业寿险市场发展的主要特点对长株潭地区农村商业寿险市场发展的现状及主要特点、商业寿险市场的供给及长株潭地区农村商业寿险有效需求现状进行了分析,接着从寿险产品针对性差,与农民实际需求形成差距；农民保险意识淡薄,对保险认同度低；商业保险机构缺乏对长株潭地区农村市场的重视和投入；重展业轻理赔,降低了农民投保意愿；长株潭地区农村商业寿险营销人才短缺；客户服务体系不健全,展业方式落后及长株潭地区农村商业寿险市场管理难到位分析了长株潭地区农村商业寿险市场发展面临的主要问题。在此基础上,提出了促进长株潭地区农村商业寿险市场健康发展的对策：加大相关政策对于寿险公司的扶持力度；加快并完善相关的法制法规；加强政府监管职能、确保市场有序发展；加大产品开发以及宣传力度。
[Abstract]:The insurance industry is the special financial industry which manages the risk. Wu Dingfu, chairman of the CIRC, said in the second session of the China Insurance Innovation and Development Forum: "Insurance plays a role and effect through the development of rural insurance at the county level. Only by further expanding the scope and coverage of insurance services can the Chinese insurance industry become truly strong and create a unique development path. " The rural insurance industry, especially the rural commercial life insurance industry, is in its initial stage of development, how to promote its healthy and rapid development, This paper takes the development of rural commercial life insurance market in Changsha-Zhuzhou-Xiangtan area as the research object and applies the relevant theory of commercial insurance. Combined with the main characteristics of the development of the rural commercial life insurance market in Changsha-Zhuzhou-Xiangtan area, the present situation and main characteristics of the rural commercial life insurance market in Chang-Zhuzhou-Xiangtan area are analyzed. The supply of commercial life insurance market and the current situation of effective demand for rural commercial life insurance in Changsha-Zhuzhou-Xiangtan area are analyzed. The commercial insurance institutions lack of attention and input to the rural market in Chang-Zhu-Tan area; pay more attention to the development of industry than to settle claims, which reduces the farmers' willingness to insure; the rural commercial life insurance marketing talent shortage in Chang-Zhuzhou-Xiangtan area; the imperfect customer service system. The development of rural commercial life insurance market in Changzhou-Zhuzhou-Xiangtan area is confronted with the main problems in the development of rural commercial life insurance market in Changsha-Zhuzhou-Xiangtan area. On this basis, the paper puts forward the countermeasures to promote the healthy development of the rural commercial life insurance market in Chang-Zhuzhou-Xiangtan area: to increase the support for life insurance companies by relevant policies; to speed up and improve the relevant laws and regulations; to strengthen the functions of government supervision and control. To ensure the orderly development of the market; to increase product development and publicity.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842

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