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近年来,国内人身保险恢复和发展很快,承保覆盖面大大提高,为稳定社会秩序、安定人民生活起了极其重要的作用。但是,人身保险在发展过程中还存在一些不平衡,在不同的时期、不同的地域、不同的险种方面显示出明显的差异性。到底是什么原因造成人身保险业务发展不平衡呢?笔者认为,直接影响和制约人身保险业务发展的因素,或称相关因素,归纳起来,大致有如下六点:
In recent years, the recovery and development of domestic life insurance has been rapid and the underwriting coverage has been greatly raised, playing an extremely important role in stabilizing social order and stabilizing the people’s livelihood. However, there is still some imbalance in the development of life insurance, which shows obvious differences in different periods, different regions and different types of insurance. In the end what is the cause of unbalanced development of life insurance business? In my opinion, the factors directly affecting and restricting the development of life insurance business, or related factors, can be summed up as follows: