中国居民人身保险目录摘要

目录

第一章绪论 (1)

第二章中国居民人身保险的现状 (2)

一、中国居民人身保险费收入幅度增加 (2)

二、中国居民人身保险的发展水平低且不稳定 (3)

三、中国居民人身保险深度和密度持续稳步增长 (4)

第三章中国居民人身保险存在的问题......................... .. (5)

一、中国居民人身保险险种结构不合理 (5)

二、中国居民人身保险金额低以及保险责任范围小 (5)

三、中国居民人身保险营销环节薄弱 (5)

四、中国人身保险业务开展中存在重城轻农，重东轻西的经营策略问题 (5)

第四章针对中国居民人身保险问题的建议 (7)

一、大力开发适销对路的新险种，优化险种结构 (7)

二、适度提高保险金额，拓宽保险责任范围 (7)

三、加强人身保险营销，加强保险知识的普及，提高居民的保险倾向 (7)

四、保险公司应适时调节经营策略 (8)

第五章结束语 (9)

参考文献 (10)

摘要

纵观我国人身保险业20多年的发展，我国人身保险市场虽然取得了很大成绩，但是与发达国家相比仍然有一定差距，也存在一些问题制约人身保险业的发展。与我国经济发展和人民生活水平提高的内在需求相比，我国人身保险市场的发展也显滞后。作为朝阳行业，我国人身保险业面临着难得的机遇和前所未有的挑战。本文就我国人身保险业的现状及问题作出分析，为我国人身保险市场发展提供有益的建议。

近年来,我国人身保险取得了较大的发展,但在发展中也还存在不少问题。第一章总论总的来叙述人身保险的研究背景和研究意义。第二章主要讲人身保险的现状，人身保险的现状主要是第一点保险费收入幅度增加，第二点人身保险的发展水平低且不稳定，第三点中国保险深度和保险密度持续稳步增长。第三章主要是人身保险存在的问题包括人身保险的发展水平低且发展不稳定、在保险市场中所占份额偏低且不稳定、承保率低以及在地区之间的发展不平衡等。第四章主要针对第三章的问题提出对策，第一点大力开发适销对路的新险种，优化险种结构。第三点适度提高保险金额，拓宽保险责任范围。第三点加强人身保险营销，加强保险知识的普及，提高居民的保险倾向。第四点保险公司应适时调节经营战略。

关键词：人身保险保险深度保险密度

Abstract

Throughout China's life insurance industry more than 20 years of development, the life insurance market in China has made great achievements, but there are still a certain gap compared with developed countries, there are some problems restrict the development of personal insurance. With our country economy development and people's living standards improve internal demand, compared with the development of life insurance market in China is lagging. As a sunrise industry, the personal insurance industry is facing rare opportunities and unprecedented challenges. In this paper, the present situation and problems of personal insurance in our country to make analysis, provide useful Suggestions for the development of life insurance market in China.

In recent years, China's life insurance has made greater development, but also still exist many problems in the development. First chapter is the general overall to person insurance research background and research significance. In the second chapter is mainly about the present situation of the life insurance, personal insurance of the present situation of the main is the first insurance premium income increased, the second person insurance development level is low and unstable, the third China insurance depth and insurance density sustained steady growth. Problems existing in the third chapter mainly personal insurance, including life insurance development level is low and the development of the instability, in the insurance market share is low and unstable, coverage rate is low, and the unbalanced development between regions, etc. The fourth chapter mainly aimed at the problem of the third chapter proposes the countermeasure, the first to develop marketable new risks, optimize the structure of danger is planted. 3 moderately improve the insurance amount, broaden the scope of insurance liability. The third point to strengthen the life insurance marketing, to strengthen the popularization of insurance knowledge, improve the people's insurance. Fourth, the insurance company should timely adjust management strategy.

Key words：personal insurance insurance depth insurance density