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近日,中国保险监督管理委员会吴小平副主席在“2000中国寿险业经营与发展国际研讨会”上说,中国寿险业目前已经进入了传统寿险产品向非传统寿险产品转变的关键时期,这一变革不仅仅是保险产品的转变,更是中国寿险业在经营理念和管理水平的全面提升,同时这一转变将使中国这个世界上最大寿险潜在市场变为现实市场。吴小平副主席说,近一年来,我国寿险市场发展速度明显放缓,保费增长幅度较以往有所下降。由于中央银行第七次降息,我国寿险业传统的储蓄型产品的销售遇到很大的困难。事实证明,保险公司销售利率高的产品必将影响公司的健康经营并给保险业带来巨大的经营风险,而利率较低的产品又缺乏市场吸引力,造成新保单的销售困难,因此我国寿险业必须将眼光
Recently, Vice Chairman Wu Xiaoping of China Insurance Regulatory Commission said at the “2000 China International Seminar on Life Insurance Industry Management and Development” that China’s life insurance industry has now entered a critical period of transition from traditional life insurance products to non-traditional life insurance products. The change is not only a shift in insurance products, but also an overall increase in the life insurance industry in China in terms of management concepts and management. At the same time, this shift will make China the world’s largest life potential market into a real market. Vice Chairman Wu Xiaoping said that in the past year, the growth rate of China’s life insurance market has obviously slowed down, with the growth rate of premiums declining from the past. As the central bank cut interest rates for the seventh time, China’s life insurance industry’s traditional sales of savings products encountered great difficulties. Facts have proved that the sales of insurance products with high interest rates will surely affect the health management of the company and bring huge business risks to the insurance industry. However, the products with lower interest rates lack the market attractiveness and cause difficulties in the sales of new policies. Therefore, Industry must look