Research On Strategy Of Insurance Company To Promote Occupational Pensions In China

With the trend of world population aging becoming increasingly obvious, many countries are facing unsupportable heavy financial pressure on the pension issue, that makes the world’s governments and experts begin to reflect on the public pension system. In our country the national basic pension insurance as the absolute main old-age security system becoming rapidly diversified. the occupational pensions has become an important the system of old-age support that is the inevitable trend. Promote by a series of factors of economic, social, national policies, the occupational pensions market showing a rapid pace of development. The occupational pensions market become a fierce competition of major financial institutions. However, the insurance company with its mature product, perfect, powerful services will be the biggest winner.Facing such a good market, insurance company put forward a strategic thought of "transition period the group insurance business", will serve as the main business after the transformation of occupational pension, use this strategy to improve management, product development, financial management etc.. And management and marketing is the key of occupational pension market development. However, in the fierce competition of occupational pension market, because many objective problems and their own management problems, the insurance company has not really play their deserve part. How to play to their strengths, achieve its great potential in the occupational pension business is the problem the insurers eager to solve. As an insurance major postgraduate student, the author by the basis of practical investigation, from the insurance company’s external competitive environment to the internal environment, current situation, problems of all objective aspects, try to detailed describe and analyze the advantages and disadvantages and the reasons behind the phenomenon. The insurance companies in the occupational pension market provides binding mode of operation service, to improve the insurance company’s competitiveness. These studies, on the one hand to participate to provide suggestion for the competition to the insurance company in the occupational pension market, on the other hand, wish to inspire for other studies on occupational pension.