摘要
两型社会背景下,保险业面临着发展环境不断优化、保险需求不断扩大、融资功能日益突出、商业保险和养老保险市场潜力巨大、网络保险蓬勃发展等机遇。同时也存在更严格的监管政策、产品设计和创新能力不足、风险防范和管理能力亟待提高、互联网的强大影响和其他挑战等问题。面对机遇和挑战,保险公司应建立风险控制底线,牢固树立发展理念,增强产品设计创新能力,建立民生安全网,弥补社会保障短板,助力国家脱贫。
Under the background of the two-type society (resource-economical and environment-friendly society), the insurance industry is faced with opportunities such as the continuous optimization of the development environment, the expanding demand for insurance, the increasingly prominent financing function, the huge potential of commercial insurance and endowment insurance market, and the vigorous development of network insurance. At the same time, there are also some problems, such as stricter regulatory policies, inadequate product design and innovation capabilities, the urgent need to improve risk prevention and management capabilities, the strong impact of the Internet and other challenges. Faced with opportunities and challenges, insurance companies should establish a bottom line of risk control, firmly establish the concept of development, enhance product design innovation ability, establish a safety net for people's livelihood, make up for the shortcomings of social security, and help the country out of poverty.
出处
《保险职业学院学报》
2019年第5期65-68,共4页
Journal of Insurance Professional College
基金
湖南省教育厅立项资助研究项目“两型社会背景下基于社会责任的保险企业经营绩效评价体系研究——以长株潭地区为例”(11C0001)
关键词
两型社会
保险企业
机遇
挑战
Two-type society
Insurance enterprises
Opportunities
Challenges
