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我国寿险公司产品同质程度研究 被引量:1

A Study on Degree of Product Homogeneity of Life Insurance Companies in China
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摘要 本文在厘清同质产品概念的基础上,比较分析寿险公司产品的保险责任、投保年龄、保险期间等,并构建同质指数,结果发现:我国寿险公司产品的同质程度不高。产品同质化并不是制约我国寿险业创新发展的首要因素,寿险公司要突破增长瓶颈,应在营销渠道、品牌宣传和价值传递等方面积极创新。 After clarifying the concept of life insurance product homogeneity , this paper makes a comparative analysis on products of different companies in their insurance liability , entry age and insurance period , which leads to the construction of a homogeneity index .It is found that life insurance products in China do not have the problem of high degree homogeneity . Therefore, product homogeneity is not the primary factor that restricts the innovation of life insurance industry .In order to break through the bottleneck of growth , life insurance companies should innovate in such areas as marketing channel , brand publicity and value delivery .
出处 《财经论丛》 CSSCI 北大核心 2014年第7期53-58,共6页 Collected Essays on Finance and Economics
关键词 寿险公司 产品 同质 保险责任 保险合同 life insurance company product homogeneity insurance liability insurance contract
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