2006河南省寿险市场调查报告.docVIP

河南省寿险市场调查报告申亚南（河南省保险行业协会，河南 郑州 450008）［摘要］ 河南省地处中原， 地广人多， 经济进入快速发展阶段， 为当地寿险业的蓬勃发展提供了条件。 2006 年,河南省寿险市场经过调整， 保持了平稳健康的发展势头。 保险主体迅速增加， 多元化市场初步形成； 扎实开展各项工作， 寿险业务增长明显； 经营理念开始转变， 产品结构调整成效初步显现。 但河南省寿险市场仍然存在诸多问题， 如公众保障程度偏低， 保险潜力仍需挖掘； 保险市场引导能力不强， 居民的保险意识与投资行为相对滞后； 保险产品不丰富， 同构现象明显， 人们选择产品的余地较小； 保险管理缺乏创新， 经营粗放等。河南省寿险业应全面增强创新能力， 推进业务向前发展； 加强经营管理， 提高营销管理水平；善待客户，加强服务，创出品牌。 ［关键词］河南省寿险市场；保险主体；保险产品；经营理念 Abstract： He Nan province is located in the fertile inland of China with a large population. Its brisk economic development has significantly driven the development of local life insurance development. In 2006, the life insurance market here maintained a steady and sound growth momentum after going through a series of adjustment. The number of insurance companies kept increasing, and a multi　 polar insurance market has taken shape. While business growth accelerated, the operational concepts were also changing and business mix was significantly optimized. However, there are still some issues that merit our attention, for example, relatively low level of public coverage, untapped potentials, ineffective guidance of the insurance market, laggard insurance awareness and investment knowledge of the local residents, lack of variety of and isomorphic insurance products, lack of innovation in management and extensive operational style, etc. The insurance industry here should enhance its innovativeness, and push forth consistent business development; strengthen operational management and improve distribution management; take good care of their clients, provide quality service and create well　 known brand. Key words： life insurance market in He Nan province; insurance entities; insurance products; operational concepts 一、河南省寿险业发展的客观环境 河南省地处黄河中下游，土地面积 16.7 万平方公里。有着悠久的历史、厚重的文化和丰富的资源。2006 年底，总人口达 9 820 万人， 居全国第 1 位。人口自然增长率为 5.3‰，人口密度为 588 人／平方公里，土地资源有限,以占全国 1.7%的土地， 养育着占全国 7.6%的人口，由于人口基数大，增长绝对数量多，人多地少仍然是河南省人口明显的特点。2006 年是“十一五”的开局之年，下半年国家又出台了《中共中央、 国务院关于促进中部地区崛起的若干意见》，这是国家继实施鼓励东部地区率先发展、西部大开发、振兴