Group Life Insurance Business In China Violations And Countermeasures

â… .The research purpose and significance in this paper The thesis focuses on the group life insurance's operation of life insurance Company in our country, and wholly observes the conducts of violating the rules in the group life insurance's operation. Then through the specific description of microcosmic angle and macroscopic angle about the conducts of violating the rules, it analyzes the deep reasons that result in these conducts, and puts forward the microcosmic and macroscopic strategies to administer these conducts of violating the rules. At last, for the purpose of the normally developing of the insurance market, it puts forward the related policy suggestions. It is truly vital to make further researches in this subject mainly because through the development of more than 20 years, the operation of the group life insurance in our country exposes many problems, which include life insurance Company's disobeying the current laws and the correspondent market rules. These behaviors not only break out the market environment of the fair competition, but also restrict the healthy development of the group life insurance business. In the December of last year, with the implementation of the WTO's promise, our insurance market releases the restraint about the group life business to the foreign life insurance company, and our insurance company will face the unprecedented challenges. Currently, aiming at the related problem about the group life insurance's operation of life insurance Company in our country, there isn't systematic discussion and understanding. So I want to do some beneficial thinking and quests in this aspect through the thesis, which can let me, not only deeply understand the professional theories of insurance, but also contribute the research work of this aspect in our country. â…¡. The outline and logic structure of the research The study begins with the definition, characteristics, and varieties of group life insurance. Then, it compares and discusses the development procession and the management conditions of the group life insurance through analyzing the domestic and abroad situations. The third part of the thesis analyzes the manifestation, harmless, source of the conducts of violating the rules in the group life insurance's operation through the specific description of microcosmic angle and macroscopic angle. On this foundation, it uses two chapters put forward the managing counter plan towards violating conducts. The last chapter, toward group life insurance market, we assume the possible competitions or risks, and keeps lookout violating conducts. At all, every chapter of this thesis has logic relation with its former chapter. We can see logic method throughout the whole thesis. â…¢. Main content and view of the thesis The thesis is divided into five chapter altogether. Chapter one is divided into three segments. The first segment introduces the definition of group life insurance and the characteristics which are different from personal life insurance. In the second segment, we introduce the classification of the group life insurance and the clauses of the main kind of group life insurance in our life insurance company. Section 3 first takes the United States as an example to discuss the development procession and the management conditions of the group life insurance in our country. With carrying on the strategies to the management condition of our group life insurance finally, it mainly gives expression to four aspects about variety innovation, channel innovation, attaching importance to subdivide the market and expand big business. The second chapter mainly analyzes two problems: First, it analyzes the conducts of violating the rules in microcosmic angle, the endangers and concrete reasons of these conducts. On the other hand, it analyzes the reasons that violate the rules emergence from the macroscopic policy angleagain. Chapter three is the point chapter of the thesis. The writer put forward the detailed and microcosmic suggestions to manage the violating conducts. Section 1 puts f...