Font Size: a A A

Discussion On The Group Insurance Development In China

Posted on:2007-09-19Degree:MasterType:Thesis
Country:ChinaCandidate:C M LinFull Text:PDF
GTID:2179360182981854Subject:Finance
Abstract/Summary:PDF Full Text Request
Group Insurance is an important component of the life insurance, and is one of the two wheels of a set of horse-drawn vehicle, which constitute life insurance . Regardless the developed countries or the developing China with high speed, the group insurance has the broad prospects for development. The developed country experience indicated that, the group insurance already became one of the most important implementation ways of modern staff welfare plan. The group insurance takes the association as a policy holder, and insures many members' risk with the identical chit, so the cost has the economies of scale effect — low cost , the simple management, can partially eliminate counter choice. This article embarked from the development history of China group insurance service, introduced the present situation of the China group insurance market development, proposed the current existing questions of group insurance market, and has analyzed each center reason specifically and proposed the corresponding countermeasures.To have a clear understanding to our Group Insurance market, we have no alternative but to clarify the long and short of the story of the country group insurance service. In the market development situation, the historical evolution and the objective background is summarized;The writer also introduces specially an important fact that the current enterprise annuity service is in the period from the nonqualified plan to qualified plan transition. This is to understands the situation clearly and move from time to time!Since we have restored the domestic insurance service, the group insurance is always the primary service of life insurance. In recent years, the domestic individual life insurance marketing service development is very quick, and the group insurance service then is at the condition that withers relatively. This article analyzed the reasons systematically. These problems exist in the company policy adjustment, and the past traditional services are not able to be adapt to the market change, whichmainly displays in: The concept is unclear, The product type are too few, The provisions are unsuitable to the Group Insurance need, The premium is insufficiently flexible, Group insurance marketing channels are non-specialized. To perfect the Group Insurance service, we have to clear about the association concept as soon as possible, speed up the product innovation dynamics, change provision design mentality, use the experience premium rate to the large-scale association, conformity group insurance marketing channel. Through introducing other countries ' group insurance development experience, this article elaborated our Group Insurance development pattern exploration systematically. Finally according to different insurance company, the writer proposed the development suggestions, to realize the new breakthrough of the Group Insurance service!...
Keywords/Search Tags:Group Insurance, Enterprise annuity, Qualified plan and non-qualified plan, DC and DB plans, Duty territory sale
PDF Full Text Request
Related items