中国保险市场的需求现状及分析(英文版)

Chineseinsurancemarket’sdevelopment论述总概Introduction1SomeproblemsinChineseinsurancemarket2Thereason3Suggestion4IntroductionAbarrackshassuchapopulargame: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?IntroductionNowadays,urbanhouseholdsinChinaisimportanttoinsurancehasbewealthmanagementandsafeguardmeasures.Thehugeconsumptionpotentialhasattractedtheattentionofmanydomesticandforeigninsurancecompanies.AndentryintothewtomeansthatChina'sinsuranceindustrytofullyconnectedwiththeinternationalinsurancemarket.AndthecurrentsituationofChina'sinsuranceindustryisnotsatisfactory,thereexistmanyproblems.TheteammembersbasedonthestatusquoofChina'sinsuranceindustry,explorethedemandandstatusquoofChina'sinsurancemarketandgivestheanalysis,andanalyzesthecauseoftheproblem,trytothestabledevelopmentofChina'sinsuranceindustryputforwardsomeopinionsandSuggestions.StoryThereisamagnificentmansion,therelivedarich,heeatsdelicacies,weariswhere,butheisnothappy,alwayshavenightmareseverynight,becauseheisworriedabouthispropertylostonethousand,hewilllivethelifeofthepoor.Onedayinthemorning,heheardthevoiceofthelandfather-in-lawinsinging,hesaidhisgrandfatherdistresstoland,landgrandfathersaid:"yougivemeabagofyourgold,Ipromisewhenyouaresickorhaveotherriskaccidentfivebagsofgoldtoyou,whenyouareold,everymonthgiveyouhalfabagofgold."Therichmanagreed.Fromthenon,henolongerhavenightmares.Letpeacewealthismoreimportant,wealthisimportant.ConsumerStatedepartment

Basicsituationandexistingproblemsofourcountry'sinsurancemarket

UnprofessionalLowlevelUnbalanceProblemsummaryChineseinsurance’sproblem1

Backwardmanagementmode,outdatedmanagementmechanism.2.Productstructureissingle,lackofproductdevelopmentsystem.3.Lackofprofessionaltalents,anddon'tpayattentiontotrainingreserves,isboundtobringthefuturecompetitioninthepassive.4.NeedstoimproveinsuranceregulationThedevelopmentofChina'sinsuranceindustryisstillinalowlevel

Oureconomyisnotdeveloped,thelowlevelofpercapitaincome,butatthesametimeshowagainintheprocessofestablishingperfectmarketeconomysystem,Chineseresidents'awarenessofinsuranceandinvestmenthaveaprocesstoimprove.Thereweretwopeopleinasmalltown,averywealthy,runsabigfactory.Theotherliveanormallife.Anaccidenttookawaythelivesoftwopeople.Therichfactoryimmediatelyintochaos,andsoonwentbankruptandhisfamilyhadtomovefromthebighouseout,lifeispoor.Another,althoughhisfamilygrief,butbecausehehadpitched,hisfamilyreceivedtheclaimofinsurancecompany,theystillliveacomfortablelife.Inthemostcrucialtimetohelpyouandyourfamily,istheonlytruewealth2004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42China'sinsuranceindustryprofessionalmanagementlevelisnothigh

Simplemanagementandsalesmode,theproductstructureissimpleandsupplyshortage,andlackofprofessionaltalentsisasignificantcharacteristicinthelowlevelofmanagementChina'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’scharacteristicSuggestion1Residentschangeidea2Deepenthereform,perfectingthecorporategovernancestructure3ImprovethelevelofregulationandguardagainstrisksHaveajoke,saidthecaptainofthevesselisacrashtoconvinceseveraldifferentnationalitiespassengersholdingthelifebuoyjumpedintothesea.HetoldtheBritishpeoplesaythatthisisasport;TheFrenchsaiditwasveryromantic;TheGermanpeoplesaythisi