参考资料--河南乡镇人寿保险存在的题及对策分析.docVIP

单位代码 10 学　　号 分 类 号 C93 密 级 毕业论文 河南乡镇人寿保险存在的问题及对策分析 院（系）名称 专业名称 学生姓名 指导教师 2012 年 5 月 9 日  河南乡镇人寿保险存在的问题及对策分析 摘 要 随着社会经济的日益发展,保险在社会中的作用日渐突出。中国改革开放三十多年来,我国的保险业一直处于快速发展之中，寿险业的增长速度更是一直快于GDP和人均可支配收入的增长，体现出我国寿险市场巨大的发展潜力和发展空间。于此同时，随着国家解决“三农”问题的举措的实施,随着全社会对乡镇剩余劳动力转移的关注,随着全面建设小康社会步伐的加快,乡镇农民的收入的加快增长,乡镇居民可望远离贫困,乡镇居民就会成为寿险市场上最大的客户群。因此,中国乡镇寿险市场潜力巨大,前景广阔。 通过本文的研究，主要说明乡镇人寿保险业是保险业务的重要一环，是保险企业扩大业务规模，体现企业社会责任的需要，是国家发展乡镇经济，缩小城乡差距，建设社会主义新乡镇，促进社会和谐的需要。但是对乡镇市场分析不够透彻、农民落后意思、相关政策不健全束缚了乡镇保险业的发展，只有解决好上述关键问题，恰当把握时机，群策群力，才能实现河南乡镇人寿保险业发展的目标。 本篇论文分为四个部分，第一部分介绍了课题的研究背景、研究目的、研究方法及研究内容。第二部分分析了河南乡镇人寿保险现状。第三部分分析了抑制乡镇人寿保险发展主要因素。第四部分分析了促进乡镇人寿保险发展的政策措施。 关键词：人寿保险，乡镇市场，保险产品，营销策略 Analysis of the Problems and Countermeasures of Henan Township Life Insurance Abstract With the grow of socio-economic development, the role of insurance in society have become increasingly prominent. Thirty years of Chinas reform and opening up,Chinas insurance industry has been in rapid development into the life insurance industrys growth rate has been faster than GDP and people disposable income growth, reflecting the huge development potential and development space of Chinas life insurance market . Meanwhile, as the countries to address the implementation of the initiatives of the three rural issues, with the society as a whole concerns the transfer of rural surplus labor force, with the accelerated pace of comprehensively building a moderately prosperous society, the income of rural farmers to accelerate growth, township residents expected to live free from poverty, township residents will become the largest customer base in the life insurance market. Chinese township life insurance market has great potential and broad prospects. The research in this article is the main towns that life insurance is an important link of insurance business, is all insurance companies to expand their business scale, reflect the needs of the social responsibility of the enterprise, is the national