摘要
改革开放以来，浙江是我国最具经济活力的省份之一。但经济的持续快速增长并没有给团体人身保险业务带来相应的增长，形成了经济大市场与团险小规模的“浙江现象”。存在潜在需求旺盛与有效供给不足之间的矛盾，市场秩序重构与既得利益之间的矛盾，社会保障制度完善与团险业务推进之间的矛盾，雇主责任保险的发展也影响了团体意外伤害险业务的发展。如何在体制转型的过程中实现团险市场的顺利转型是一个重大课题。为此，必须培育适应经济转型的团险市场，实现团体人身保险的战略性转轨。要把握业务主流方向，以员工福利计划和企业年金带动团险业备的跨越式发展：以个性化设计握高产品适应性：以专业化箍主牛销售腽奈酌漆涛力．
Zhe Jiang province is one of the most economically vibrant provinces ever since China adopted the reform and opening up policy. However, rapid economic growth did not generate the same growth momentum of group life insurance business. This leads to the ＂Zhe Jiang phenomenon＂ characterized by a large economy and a small group insurance market, and the contradiction between large potential demands and insufficient effective supplies, the contradiction between market order reconstruction and vested interest and the contradiction between social security system enhancement and advancement of group insurance business. The development of employer liability insurance also has an impact on group accident insurance business. Therefore, it is an important task for us to achieve smooth group insurance business transformation along with economic restructuring. We should cultivate a group insurance market adaptable to economic restructuring initiatives in order to achieve strategic transformation of the group life insurance business. We should take the opportunity brought about by the employee benefit scheme and corporate annuity business to leap forwards in group life insurance business development, use individualized product design to improve product adaptability and promote penetration of the sales service through specialized management.
出处
《保险研究》
CSSCI
北大核心
2006年第8期76-79,共4页
Insurance Studies
关键词
经济转型
团体人身保险
战略性转轨
跨越式发展
产品适应性
销售服务渗透力
economic restructuring
group life insurance business
strategic transformation
leap forwards
product adaptability
sales service penetration
