山东新华保险发展现状及对策分析

目 录

摘要........................................................................................................................ 2 关键词.................................................................................................................... 2 Abstract .................................................................................................................. 3 Key words ............................................................................................................... 3 引言........................................................................................................................ 4 一、我国寿险业发展现状.................................................................................... 4

（一）寿险的定义........................................................................................ 4 （二）我国寿险业发展现状........................................................................ 5 二、山东新华保险发展现状................................................................................ 7

（一）山东新华保险的发展历程................................................................ 7 （二）山东新华保险的发展机遇................................................................ 8 三、山东新华保险发展过程中存在的问题........................................................ 8

（一）营销模式滞后.................................................................................... 8 （二）公司内部控制存在问题.................................................................... 9 （三）政府政策支持不足.......................................................................... 10 四、针对山东新华保险市场问题的对策.......................................................... 11

（一）对公司营销模式进行优化以适应市场变化.................................. 11 （二）公司内部结构调整.......................................................................... 11 （三）提高政府支持力度.......................................................................... 12 结束语.................................................................................................................. 14 谢辞...................................................................................................................... 15 参考文献.............................................................................................................. 16

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山东新华保险发展现状及对策分析

摘要

在当今快速发展的社会中,人口老龄化、城市化进程不断加快，人们身处在一个更加复杂多元化的社会，对转嫁自身风险来获取保险保障的意识也在不断地增强。然而就现阶段我国的保险行业而言，保险产品能够保障的范围还比较有限，难以满足我国众多家庭中对于保险特别是人身保险的需求，因此，商业寿险的发展和创新就显得特别重要，它作为我国社会保险的有益补充有着重要地位，特别是随着人们对自己生命健康的愈发重视使得商业寿险的地位和作用更加突出。山东新华保险作为以商业寿险为主的保险机构，在这种社会需求下，如何更好地促进山东新华寿险的发展，提高寿险的保障水平，值得深入研究。本文通过运用实地调查法、观察法、文献研究法，对我国寿险业发展现状进行深入剖析，以山东新华保险公司为例找出来目前我国寿险业发展过程中所存在的问题并对所存在问题的原因进行详细分析，最后提出解决寿险业发展问题的对策。旨在改善人们的投保意识，提高寿险公司经营能力，促进我国寿险业持续、健康发展，具有重要的现实意义。

关键词：寿险 新华保险 发展现状 问题 对策

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Abstract

Abstract：In today's rapid development of the society, the aging of the

population, the city to speed up the process, people live in a more complex and pluralistic society, to shift their risk to obtain insurance consciousness is constantly enhanced. However, at the present stage of China's insurance industry, the scope of insurance products to protect the still relatively limited, it is difficult to meet many families in China for the insurance especially life insurance demand, therefore, the development and innovation of commercial life insurance is particularly important, it as a useful supplement of China's social insurance plays an important role in particular, with people on their health status and role of the increasingly attach importance to the commercial life insurance is more prominent. Shandong Xinhua insurance as insurance institutions to commercial life insurance, in such circumstances, how to better promote the development of Shandong Xinhua life insurance, life insurance to improve the level of protection, worthy of further study. In this paper, through the use of field survey method, observation method, literature research method, in-depth analysis of the status quo of China's insurance industry in Shandong, Xinhua insurance company as an example to find out the development process of China's life insurance industry problems and detailed analysis on the causes of the problems, and finally puts forward the countermeasures to solve the problems of life insurance industry the development of the. To improve people's insurance consciousness, improve the ability of the life insurance company, to promote sustained and healthy development of China's life insurance industry has important practical significance.

Key words:life insurance；New China Life Insurance；The development of the

status quo；problem；countermeasure

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引言

保险是现代金融体系和社会保障体系的重要补充部分，保险有着广泛的作用，除最基本的保障功能外，还有组织经济补偿、资金融通、辅助社会管理等功能，对促进经济的发展，保障社会的稳定发挥着其他产品和服务不可取代的作用。

我国商业保险经历了起步、中断、再起步和快速发展阶段。目前，我国寿险业发展趋势向好，初步形成了较为完善的市场化风险管理机制，提高了我国防范化解社会经济发展遇到的风险管理水平。寿险对一国社会稳定和经济发展有着无比重要的作用。山东寿险业正处于开始走向快速发展的时期，寿险市场上的竞争因新生主体发 …… 此处隐藏：4707字，全部文档内容请下载后查看。喜欢就下载吧 ……