analysis of the status quo of chinas insurance market to develop new ideas and open up the insurance（分析中国保险市场现状的形成新观点和打开保险）.doc

Analysis of the status quo of China’s insurance market to develop new ideas and open up the insurance Paper recovery and development of China’s insurance industry for over 30 years is not long, at an alarming rate. As a sunrise industry, China’s insurance industry is in rapid growth, business expansion is very fast, with the influx of foreign insurance companies, market players continue to increase, But the new marketing concept is still in an embryonic state, the overall quality of the insurance marketing staff is not high, insurance products can not meet customer demand, therefore, must be innovative insurance marketing system in order to continuously improve the overall competitiveness of the insurance business. Paper Keywords: insurance, marketing, product innovation and development strategies 1 the content of insurance marketing 1.1 is not equal to Insurance Marketing Insurance Marketing Insurance marketing is built around meeting the needs of the insured for the overall marketing, search the insurance market from the demand, until the completion of the design as well as insurance coverage for insured services after a set of marketing activities, while the focus lies in the insurance market the insurance product itself, mainly to sales of insurance products and activities. 1.2 is more suitable for insurance marketing principle of non-price competition Insurance prices (rates) is an insurer or insurance authority based on a risk insured loss rate, interest rates, insurance, and other factors limit the analysis, and determined by the precise calculation, and therefore it is more objective, more scientific order to maintain the insurer and the insured person’s interests, in order to ensure the solvency of insurers, in order to promote standardized competition, the state insurance regulatory department of the unified management of the insurance price and restrictions, so price competition in the insurance market does not occupies an importa