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在我国市场经济体系逐步确立的今天,保险市场尤其是人寿保险市场作为社会保障体系的重要组成部分,显得更为重要,健全人寿保险市场,构筑坚实可靠、覆盖面宽的社会保障体系势在必行。然而,据调查了解,人保人寿险与财产险分家后,基层人寿保险公司,在经营管理、业务发展等方面困难重重,主要表现在: 1、国民对人寿保险认识不够,保险意识差。目前,广大群众,特别是占人口绝大多数的农民,人寿保险的观念比较淡薄,认为可有可无。有关统计资料表明,国外国民人寿保险密度一般在7％左右,而我国目前仅为0.51％,大部分企事、业单位职工、农民除集体参加保险
In our country’s market economy system is gradually established, the insurance market, especially life insurance market as an important part of the social security system is even more important, and improve the life insurance market, build a solid, reliable, wide coverage of the social security system is imperative . However, according to the survey, it is difficult for grassroots life insurance companies to manage their business and business development after they have separated their life insurance from property insurance. The main problems are as follows: 1) The people do not have enough understanding of life insurance and have poor insurance awareness. At present, the broad masses of the people, especially the peasants who make up the overwhelming majority of the population, have relatively weak notions of life insurance. The statistics show that foreign national life insurance density is generally about 7%, while China is currently only 0.51%, most of the enterprises, employees and farmers in addition to collective insurance