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在所有的理财产品中,投资者对保险的隔阂最深、对保险业的投诉也最多。很多官方调查都能证明这点,可是,保险行业究竟做错了什么?它唯一的过错是太过年轻,比起动辄上百年的外国保险企业,还在发育期的中国保险一步步地摸着石头过河,更需要关怀与扶持。很多人不了解,保险的另一个称号叫做“社会稳定器”。保险通过对保险责任范围内的损失和伤害的补偿给付,分散风险,使被保险人能够及时地恢复正常的生产和生活。家庭安定、企业稳定,才能为社会稳定提供切实有效的保障。很多人不清楚,保险是一种理财产品,合理加以利用,甚至能让你收获一份不小的收益。很多人不知道,保险的首要基本原则是“最大诚信原则”。“忽悠”与“保险”相去甚远,购买一份合适的保险,真的可以让你安枕无忧。在山东半岛蓝色经济区建设正式上升为国家战略之际、在“十二五”的开局之年之时,为了更好地促进青岛市蓝色经济区域金融业的发展,青岛保监局制定了《“创建和谐保险业”五年(2011年—2015年)实施规划》,全力推动青岛“和谐保险业”的品牌建设。从本期起,商周刊将推出“和谐保险”系列报道,通过与保监局、保险行业协会、保险公司三级机构的互动合作,将客观真实的保险行业呈现给读者,以有形的文章探知保险业这“无形的产品”。(本刊记者吴佳)
Among all the wealth management products, investors have the deepest barriers to insurance and the insurance companies have the most complaints. Many official investigations prove this. However, what exactly is wrong with the insurance industry? The only fault is that it is too young. Compared with the hundreds of foreign insurance companies in the world, Chinese insurance in its development phase is being touched step by step Stones cross the river, but also need care and support. Many people do not understand, another name for insurance is called “social stabilizer.” Insurance through the loss of compensation within the scope of liability and injury compensation, risk diversification, so that the insured person can promptly resume normal production and life. Family stability and business stability can we provide effective and effective social security. Many people do not know, insurance is a financial product, reasonable use, and even make you a gain not small gains. Many people do not know that the first basic principle of insurance is “the principle of the utmost good faith.” “忽悠 ” And “Insurance ” a far cry from the purchase of a suitable insurance, you can really make your peace of mind. At the time of the formal establishment of the blue economic zone in Shandong Peninsula as a national strategy, in order to better promote the development of the financial industry in the blue economic zone of Qingdao at the first year of the “Twelfth Five-year Plan”, Qingdao Insurance Regulatory Commission The bureau has formulated “Implementation Plan for Harmonious Insurance” and “Five Years (2011 - 2015) Implementation Plan” to promote the brand building of “Harmonious Insurance Industry” in Qingdao. Starting from this issue, Shang Zhou Weekly will launch a series of articles on “Harmonious Insurance”, presenting the objective and realistic insurance industry to the readers through interactive cooperation with the third-level institutions such as CIRC, insurance industry associations and insurance companies, The article explores the insurance industry this “intangible product ”. (Correspondent Wu Jia)