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人寿保险由独家垄断经营到今天多家激烈竞争,由个别协商竞争到公开的招投标竞争,体现了中国寿险市场的发展和进步,标志着寿险买方市场的形成。但同时也要看到,寿险实行招投标尚在起步阶段,仍不完善、不规范。 现有的人寿保险招投标行为不仅在形式上,而且在内容上都没有经过科学的论证和严格的实践检验。招标人一方面想少交保费,另一方面又要求增加保障,还要求支付高回佣。鉴于招标人容易陷
Life insurance is dominated by exclusive monopolies to a number of fierce competitions today. Competition between individual companies competing for public bidding competitions reflects the development and progress of China’s life insurance market and marks the formation of the life insurance buyer’s market. But at the same time, we must also see that the bidding for life insurance is still in its infancy and is still imperfect and non-standard. The existing life insurance bidding behavior not only in form, but also in the content have not been scientific proof and rigorous practice test. Tenders on the one hand want to pay less premiums, on the other hand also asked for additional protection, but also requires the payment of high rebates. In view of the tender easily trapped