Research On The Influence Of The Hong Kong Insurance To The Mainland Insurance Industry

With the development of economic globalization, people’s living standards improved significantly, the insurance consciousness gradually strengthened, in the increasingly mature network and information technology support, more and more mainland consumers to buy insurance in Hong Kong. On the other hand, the mainland and Hong Kong signed the "Mainland and Hong Kong Closer Economic Partnership Arrangements" which promote the development about the financial insurance.In terms of macroscopic, the mainland to Hong Kong to buy insurance to promote both economic and cultural exchanges; lead to the mainland funds out flow; and brought challenges to the mainland insurance companies and Banks, to promote the mainland insurance companies to raise their competitiveness. At the micro aspect, the Hong Kong insurance brought to mainland consumers more choices, which can realize investment diversification, it also caused the mainland consumers concerned about the health, stimulate the demand for investment.The thesis through the phenomenon of mainland residents go to Hong Kong to buy insurance, in-depth analysis of the influence of Hong Kong insurance to the insurance industry on the mainland. At present, the research of the Hong Kong insurance is less, mostly about the Hong Kong trade and bank, therefore, this thesis detailed comparison with insurance of Hong Kong and the mainland. In terms of the market, the development history, insurance products, insurance terms and law, etc. and expounds the advantages and disadvantages of mainland consumers to buy insurance in Hong Kong. It Summarizes the enlightenment and reference of the development of Hong Kong insurance to the mainland. Finally, this thesis through to the mainland insurance company competitiveness evaluation, and points out that the mainland insurance companies the advantages and disadvantages of all aspects of business data. And on the basis of the theory of 4 p’s, from product, price, place, promotion four aspects summarizes the suggestion and tendency of the development of the mainland insurance market in the future.