影响我国人身险需求的宏微观因素分析

随着经济的持续快速增长和对外开放程度的扩大,中国的人身险市场迎来了供给和需求全面快速发展时期。在这一阶段中,经济增长、人口、社会保障水平及保险价格、品质、销售渠道等宏微观环境与条件成为了影响我国人身险需求规模和结构的主要因素。研究认为,应当进一步完善政策环境,规范市场秩序,加大协调与宣传,改善行业外部环境;提高保险公司诚信度,加快创新步伐,才能适应市场需求,创造出有利于我国人身险需求发展的良好环境,消除可能抑制人身险需求的各种不利因素。

The macro and micro analysis of demand on China life insurance

With the continuous and fast economy development and the enlargement of economic opening-up reform in China,the supply and demand for life insurance are growing fast in China.In this stage,the scale and structure of China life insurance market are highly affected by some macro factors and micro elements including economy growth,population,social security,micro insurance price,quality and sales distribution channel.In order to improve the life insurance market situation and eliminate certain disadvantages,we should reform corporate management in insurance company,establish insurance regulation policies of market order and enhance honesty to the customer in insurance industry.