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人保公司随着机构体制的改革,产寿两险已实行分业经营,独立核算。在业务结构上可谓泾渭分明,各行其事。然而,由于产险业务的短期性和不返还性,使之与寿险业务在竞争力上显得比较脆弱。一是展业宣传工作的力度和连续性不能放松;二是投保人的经济承受能力变化太大,展业的成功率低;三是风险大,自身承受风险的能力有限,不便开发新险种。在贫困地区,这些矛盾显得更加突出。
With the reform of the institutional structure, PICC Life Insurance has implemented separate operations and independent accounting for the two insurance companies. In the business structure can be described as distinct from each other. However, due to the short-term and non-return nature of the property and casualty insurance business, the competitiveness of life insurance business is relatively weak. First, the intensity and continuity of the exhibition publicity work can not be relaxed. Second, the affordability of the insured person changes too much and the success rate of the exhibition industry is low. Third, the risk is high and its own ability to bear the risk is limited, making it inconvenient to develop new types of insurance. In poor areas, these contradictions are even more prominent.