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Management Environment And Development Trend Of Chinese Life Insurance

Posted on:2004-06-21Degree:MasterType:Thesis
Country:ChinaCandidate:G S DaiFull Text:PDF
GTID:2156360092475867Subject:Business management
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This article has systematically discussed the living environment and development trend of Chinese life insurance. It has analyzed and studied in detail the function that life insurance plays in social economy, and the living environment and relevant policies that are blocking the life insurance. It also has discussed the development direction of Chinese life insurance, and the problems and factors that should be paid attention to.The main content and conclusion are:Analysis of the commonly environment that influence the life insurance development. This part has sorted the environmental factors and has explained impacts caused by different environmental factors to the life insurance.This article has three kinds that influence the commonly environmental factors of developments of life insurance. The first is environment of economic finance; the second is environment of humanity, the third is factor of polity policy environment. It has discussed in the 5 sides, which they are interest rate effect, income effect, substitute effect, supply effect and policy effect of analysis of the environment factors. It has analysis on economic factors that influence the life insurance from monetary inflation and discussed influence the life insurance from environment of humanity of culture value and function of family, in generally, the influence of environment of humanity society with long and deep, but the influence of environment of economy with short and brief.Specific environment, in which the Chinese life insurance survives and develops. This part has mainly analyzed the impacts and functions put on Chinese life insurance by the domestic economy and humanity environment. It has explained that, under the combined action of a good many factors, Chinese life insurance is making for a healthy development progressively and is playing a more and more important role in the people's life and the society economy.I-*Analysis on three sides of domestic economy and humanity environment,1) The main bodies of undertaking the risk have charged by Reformation of marketization, which it create a large spaces of need for life insurance's development.2) It is provided possibility of development of life insurance by increase of per capita income level and large population scale. But it is not ignore that influence the life insurance caused by Macroscopical economic situation at present, consumer expectant uncertainty, interest rate by come off sentry duty and unemployment, and policy factors, news consensus.3) The key point that influence the life insurance caused by environment of low interest rate market is retard the interest rate balance, in order to insuring the solvency. Because our country adopt the monetary policy of expansion, in order to spur the domestic demand and consumption. The adjustment of economy structure and population aging becoming more obvious, the system of social security is establishing informationization and popularization of the Internet, etc. to make the low interest rate become the development trend of economy in future, certainly will bring the large impact to life insurance.International environment factor emphasis on analyze advantages and disadvantages to the life insurance of our country of WTO, as a whole it is favorable to internationalization of China life insurance and accelerating insurance's faster development.The legal environment live much to be improved, <> and <> , <> and <> all being obvious illogicality. Our country's revenue policy will not be favor of development of Sino-foreign insurance Company.Development and economic background of world life insurance. This part has discussed that the world life insurance will go into global integration and liberalization in the future. Life insurance of every country will open gradually, and there will be more and more competitors. The worldwide reform of social welfare systems, and the re-rising and prevalence of economic liberalism...
Keywords/Search Tags:Life insurance, Management environment, Development trend
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