摘要
在全面建设小康社会、构建和谐社会目标的推动下，随着城乡居民收入的不断提高、消费结构的逐步演进、社会保障制度改革的进一步深化、居民个人乃至家庭面对各种财、物风险意识的增强等都将推进人身险市场的发展。人身险市场的增长点是：医疗健康需求将是市场的主流；养老保险将在竞争中做大市场；分红投资型保险是市场发展的一个热点。市场增长点的形成，在社会经济文化发展的基础上，不仅需要政府和监管机构的支持，更需要各商业保险公司能切实立足市场，从客户的需求出发，全面落实科学发展观的要求．调整经营战略和市场策略．
While the government calls for constructing an all-round well-off and harmonious society, individual residents and households＇ awareness of various personal risks have grown stronger along with urban and rural residents＇ continuous income growth, gradual evolution of their consumption structure and further deepening reform of the social security system. The growth prospects of personal insurance markets lie in the fact that health and medical insurance will become the mainstream demands, pension insurance will quickly expand in a competitive environment, and participating investment type of insurance is increasingly popular on the market. The materialization of these growth prospects is dependent on social, economic and cultural development on the one hand. On the other hand, it not only needs government and regulatory support, but also requires that commercial insurers will adjust their operational strategy and market strategy in time in line with customer needs and the requirements of the scientific concept of development.
出处
《保险研究》
CSSCI
北大核心
2006年第2期90-93,共4页
Insurance Studies
关键词
人身险业务
和谐社会
养老保险
分红投资型保险
经营战略
市场策略
personal insurance
harmonious society
pension insurance
participating investment type of insurance
operational strategy
market strategy
