中国保险市场的需求现状与分析（英文版）课件

Chineseinsurancemarket sdevelopment 论述总概 Introduction Abarrackshassuchapopulargame seniorofficersconvenedonceayear staff1000people giveeveryoneapistol andtoldthem thatonly3of1000pistolgunwithrealbullets askedeachofthemtowardshisheadopenonegun therestcanbecarefreelifeintherestoftheyear Thegame onceayear Youdaretoopenonegunonmyhead Openonetimeeveryyear Infact inlife weallunconsciouslyrepeatedgameslikethis eachyearaccordingtoChineselifetablestatisticsshowthattheaverageannualmortalityrateisthreeoveronethousandofChinese Somesaythreeoveronethousandoftheprobabilityisverysmall becauseof1000peoplewasonlythree Somepeoplesaythatthisprobabilityisverybig becauseforeachindividual onlytwopossibilities lifeordeath Therefore eachperson sprobabilityis5Whatdoyouthink Sincethisisacan tescapethegame whydon twegetreadyassoonaspossible Introduction Nowadays urbanhouseholdsinChinaisimportanttoinsurancehasbewealthmanagementandsafeguardmeasures Thehugeconsumptionpotentialhasattractedtheattentionofmanydomesticandforeigninsurancecompanies AndentryintothewtomeansthatChina sinsuranceindustrytofullyconnectedwiththeinternationalinsurancemarket AndthecurrentsituationofChina sinsuranceindustryisnotsatisfactory thereexistmanyproblems TheteammembersbasedonthestatusquoofChina sinsuranceindustry explorethedemandandstatusquoofChina sinsurancemarketandgivestheanalysis andanalyzesthecauseoftheproblem trytothestabledevelopmentofChina sinsuranceindustryputforwardsomeopinionsandSuggestions Story Thereisamagnificentmansion therelivedarich heeatsdelicacies weariswhere butheisnothappy alwayshavenightmareseverynight becauseheisworriedabouthispropertylostonethousand hewilllivethelifeofthepoor Onedayinthemorning heheardthevoiceofthelandfather in lawinsinging hesaidhisgrandfatherdistresstoland landgrandfathersaid yougivemeabagofyourgold Ipromisewhenyouaresickorhaveotherriskaccidentfivebagsofgoldtoyou whenyouareold everymonthgiveyouhalfabagofgold Therichmanagreed Fromthenon henolongerhavenightmares Letpeacewealthismoreimportant wealthisimportant ThedevelopmentofChina sinsuranceindustryisstillinalowlevel Oureconomyisnotdeveloped thelowlevelofpercapitaincome butatthesametimeshowagainintheprocessofestablishingperfectmarketeconomysystem Chineseresidents awarenessofinsuranceandinvestmenthaveaprocesstoimprove Thereweretwopeopleinasmalltown averywealthy runsabigfactory Theotherliveanormallife Anaccidenttookawaythelivesoftwopeople Therichfactoryimmediatelyintochaos andsoonwentbankruptandhisfamilyhadtomovefromthebighouseout lifeispoor Another althoughhisfamilygrief butbecausehehadpitched hisfamilyreceivedtheclaimofinsurancecompany theystillliveacomfortablelife Inthemostcrucialtimetohelpyouandyourfamily istheonlytruewealth 2004年部分国家保险密度 单位 美元 2004年部分国家和地区保险深度 中国排名第42 China sinsuranceindustryprofessionalmanagementlevelisnothigh Simplemanagementandsalesmode theproductstructureissimpleandsupplyshortage andlackofprofessionaltalentsisasignificantcharacteristicinthelowlevelofmanagement China sinsurancemarketstructuredistributionimbalance BranchesofaninsurancecompanyalthoughhasbeenwidelysetupinmainlandChina butmostconcentratedinthedenselypopulatedandeconomicallydevelopedregionsandcities thiscreatesaninsurancemarketdevelopmentnotbalanced 2007年一季度部分省市原保险保费收入 单位 亿元 Consumer sperceptionofinsurancesoterrible Causedbyurbanresidentsofthemaincausesoflowdegreeofattentiontoinsuranceknowledgeisinfluencedbytraditionalideas thinkthecurrentourcountrysocialstability theirincomeincreaseyearbyyear don tneedinsurance Ontheotherhand thereasonisthatatpresentourcountryinsurancemarketisstillinthephaseofcultivation theinsurancecompanyforinsuranceproductknowledgepropagandaisnotenough Seamstressatthetimeofsewing alwaysmuchsewabuttonontheclothes forarainyday Theroleofinsuranceinfactistheequivalentofthebutton butwhyalwayswhenyouneedit willthinkofit 1 Withtheworldcounterparts theinsurancemarketofChinastartsrelativelylate developmentdegreeislow Butthedevelopmentisrapid theinsurancemarket especiallyurbaninsurancemarketofhugepotentialdemand 2 China sinsuranceindustryonasmallerscale lackofeffectivesupply Comparedwiththerealityofvariousrisk insuranceprovidedbyasingle insurancecompany sbusinessmainlyconcentratedinthelimitedcoverageonthemanagementofinsuranceproductsisomorphismphenomenonisveryserious 3 AfterChina saccessiontotheWTO therewillbemoreandmoreforeigninsurancecompaniesinavarietyofformssuchasjointventuresorwhollyownedbyforeignerstoentertheChineseinsurancemarket thedomesticinsurancecompanieswillbefacedwithdualpressureofforeigncompetitionanditsowndevelopment Chineseinsurance scharacteristic Suggestion 1Residentschangeidea2Deepenthereform perfectingthecorporategovernancestructure3Improvethelevelofregulationandguardagainstrisks Haveajoke saidthecaptainofthevesselisacrashtoconvinceseveraldifferentnationalitiespassengersholdingthelifebuoyjumpedintothesea HetoldtheBritishpeoplesaythatthisisasport TheFrenchsaiditwasveryromantic TheGermanpeoplesaythisiscommand Foramericansguarantee youhavebeentheinsurance InsuranceintheUnitedStates theheadofstate orthestar thegiantsorcivilians isanindispensablepartinpeople slife likeeating living isthenecessarypartofliving Lifeinsurance medicine houses cars boats furniture andsoonarei