The State Promulgates Ten Articles of New China to Help Industrial Development
On August 20 14, the State Council officially issued "Several Opinions on Accelerating the Development of Modern Insurance Service Industry", which is also commonly known as "Ten Articles of New China" in the insurance industry.
The Opinions clearly stated that by 2020, a modern insurance service industry that meets the needs of China's economic and social development will be basically built, with an insurance depth of 5% and an insurance density of 3,500 yuan/person.
The state will designate July 8 every year as the insurance publicity day.
20 13 in order to further strengthen the insurance publicity work and continuously improve the insurance awareness of the whole society, the China Insurance Regulatory Commission decided to designate July 8th of each year as the "National Insurance Publicity Day" with the theme of "Insurance, Better Life".
The state has brought insurance into the classroom. Insurance starts with dolls.
The CPC Central Committee and the State Council attached great importance to insurance education. In 2006, "Several Opinions of the State Council on the Reform and Development of the Insurance Industry" clearly stated that "insurance education should be included in the curriculum of primary and secondary schools, and the news media should play an active role in propaganda and guidance, popularize insurance knowledge, and raise the risk and insurance awareness of the whole people".
20 10 Beijing Normal University Press published the insurance education knowledge book "Insurance will accompany me all my life" to popularize insurance knowledge and raise the risk and insurance awareness of the whole people. 20 15 insurance becomes a college entrance examination question, accounting for 19 points, and 20 16 insurance becomes a college entrance examination question, accounting for 37 points. Since then, the insurance has been frozen since the doll.
CCTV has invested heavily in advertising during prime time to promote the development of this industry.
The former China Insurance Regulatory Commission and China Insurance Association raised a large amount of funds to broadcast "Insurance, Better Life" in CCTV prime time, which promoted the insurance industry positively for the public and boosted its development.
The above are basically some well-documented information, and the subject can go and see which industry the country is vigorously promoting. It can be said that only the insurance industry! Let's talk about the facts. If you have different opinions, please pay attention or write to me privately to discuss!
I use this question to fool you! Hehe, just kidding. Of course, there are still quite a few people in society who still think that insurance is a fool! Don't argue I have been an insurance agent in CITIC for about five years! Never trust or recognize, gradually understand, recognize and take the initiative to consult! I have basically witnessed the history of insurance development in recent years!
Let me introduce myself, I am the senior director of China Pacific Life Insurance Branch! What is the future of insurance, where to do it and how to do it! These are all issues that I have been paying attention to and considering! I heard Wang Chen, a gifted scholar in Tsinghua, say that as long as there are people in the world, life insurance exists! I was recognized! The main driving force and the biggest misunderstanding of insurance development are in the life insurance industry. Many insurance problems, such as insurance fraud, fraud, no claims, etc., are mostly life insurance! To expand here, Chinese insurance was gradually formed after the introduction of the agent mechanism in the 1990 s! We all know the actions of recruiting people and building relationships, and the exhibition industry! There is also a saying that insurance is pyramid schemes! This is a lot of words, insurance may be the largest and cooperative assembly organization, but it is not a pyramid scheme! But many famous lecturers of many MLM organizations have fled the insurance industry!
After working for many years, I feel that insurance is not necessarily the most profitable, but it is definitely the most operable! Facing all kinds of customers, from dignitaries to the poor! Three religions and nine streams! Really get in touch with young people entering the society. You can try! The second and most important insurance can really save people! Except those controversial insurance events, most insurance claims are normal, timely and life-saving! None of these rescue distress cases were mentioned, which is the biggest injustice to the insurance industry and insurers!
China insurance has only developed for more than 20 years, and it will be corrected, changed and better! This is my opinion and my expectation! I hope this world has insurance, and I hope this world has no insurance! Save people from danger, help people from dangerous walls! This is the biggest role of insurance! My short words can't fully express the function and future of insurance, but I think insurance is promising!
Whether the insurance industry is good or bad, everyone who buys it knows. The prospect of this industry should not be too good. Although the current annual operating income is several trillion yuan, it is estimated that the good times will not last long, because most people have not set foot in the insurance industry.
Optimistic about the prospect of life insurance, come to Xinhua Life Insurance, which focuses on life insurance.
It has always been believed that the insurance industry is no different from other industries, and it is nothing more than a marketing and sales industry. No matter the development prospect of any industry, we should take a long-term view.
Economically backward areas should look at economically developed areas, and developed areas should look at the development of internationally developed industries. At present, the insurance industry has gradually penetrated into all walks of life of the national economy. As big as national major projects, aerospace, and large-scale enterprise security escort; It is closely related to thousands of households, from kindergarten to university graduation, from work to retirement, from buying a car to buying a house to kitchen, home appliances, burglary, decoration, fire, water accidents, every household can not do without the protection and escort of the insurance industry!
As for the life insurance industry, after 20 or 30 years of development, there is still a big gap compared with the international life insurance industry's development history of 300 or 400 years, but it also shows that the market has great development potential. Customer demand is the behavior orientation of employees in the industry. The future life insurance market must be expert, service-oriented, consulting and refined. An insurance employee serves multiple families and provides long-term professional life insurance service guarantee. Provide diversified services, such as: healthy living guidance, health prevention and early warning, and health service guarantee is not just life insurance sales!
Personal understanding of the development prospect of life insurance industry can refer to the development of automobile industry, the number of cars owned 20 years ago, the number of cars owned by ordinary families now and the development of automobile market 20 years later. The life insurance industry has developed from an annual total premium of 460 million yuan in the 1980s. Today, the total annual premium is close to 4 trillion yuan!
You can imagine the size of the insurance market in the next 20 years.
The key lies in your thinking, and your concept determines your future development!
I hope I can help you, friend!
The next decade will be the golden decade of the insurance industry, but not necessarily the golden decade of the insurance practitioners.
If you ask about the prospects of life insurance from the perspective of insurance companies, you can tell that the prospects are very good. With the growth of people's insurance awareness in China, the original premium income of major insurance companies is also increasing year by year.
But from the perspective of insurance agents or brokers, it is not necessary. Insurance agents must develop professionally in the future. It won't be like this. The entry threshold is so low, and there is no independent thinking ability. It's just a parrot. As long as you can copy and paste the circle of friends, you will pull people to participate in the production meeting, which is the agent. . . So no matter which industry, the most important thing is professionalism!
Above, pay attention to squirrels and use squirrels to avoid risks!
Insurance is essentially a financial arrangement, and it can't really eliminate disasters. The risks mentioned in insurance are financial risks. The function of fund raising and operation determines the quantity and number of insurance financial attributes.
Second, the value exchange of insurance has two dimensions.
As a risk allocation mechanism, insurance is a probability mechanism based on the law of large numbers because there are many independent risk subjects horizontally. Vertically, it can be regarded as a long-term financial smoothing mechanism within a risk subject. Both of them constitute the intertemporal exchange of value and risk or the intertemporal exchange of subjects, or both.
Financial attribute of insurance
Talking about the business model of insurance can't avoid talking about the profit source of insurance business, so where does the insurance industry make money? There are three main differences.
One is the difference between death and immortality.
That is, the difference between the actual mortality rate of people and the mortality rate of life table and actuarial hypothesis, and the resulting benefits. At present, due to the fierce competition in insurance prices, it is increasingly difficult for insurance products, especially guaranteed insurance products, to raise prices in order to earn money.
The second is the cost difference.
Every insurance policy will contain a certain fee, and the income from the fee difference mainly depends on the management level. A well-managed insurance company may earn a fee difference. However, in the era of competition, not only is there no free competition, but some may also compete for subsidies, so it is difficult for insurance companies to make money in the field of fee difference.
The third is the spread.
Theoretically, spreads can be the main source of profits for insurance companies, and the formation of spreads depends on investment. But the spread is not so easy to earn. First of all, the capital cost is high, the debt constraint is too strong, and investment is more difficult to do. Whether to find a good asset matching liability is a problem that insurance companies face when investing. Under the new solvency system, the liabilities and assets of insurance companies are dynamically adjusted at any time, which is complicated, and the capital adequacy ratio is an important regulatory factor. Capital is a leverage mechanism, which can absorb risks and is an important constraint factor for insurance companies to take risks.
What changes will happen to the insurance industry in the future?
First, product changes, including product deconstruction, transformation and reorganization;
The second is the change of channels. In the future, marketers may be replaced by these marketing software and social software. Based on scene implantation and precision marketing. Third-party platforms will actively participate;
Third, changes in business models, such as big data model replacing actuaries, automation of underwriting claims, digitalization of internal management and intelligent customer service, are all changes in business models.
What is the competition of future insurance?
The future insurance competition will be more based on continuous dynamic and accurate customer portraits, continuous multi-dimensions, sufficient heat data, network collaboration, and model and algorithm-driven.
In the future, with data and intelligence, the competition in the insurance industry will enter the era of hot weapons from the era of cold weapons.
As an insurance company, its core business advantages are shifting. In the past, there may be competition for land, and the core advantages in the future are asset management and asset allocation.
Because many things are outsourced and will be divided, the degree of intermediation and outsourcing of insurance companies has deepened. Because each field has its own professional strength and circle, an insurance company becomes an integrator of resources. Unless it is several major insurance companies, he can have an ecosystem. For those intermediaries, if they don't rely on ecology, they may lose their competitiveness in the future unless they form an ecology by themselves.
This is the future competition of insurance companies, and ecological companies will gain greater competitive advantage and stronger market monopoly by virtue of data advantages. The advantages of traditional companies will no longer exist, and their competitiveness will gradually decline; The strong will always be strong, and the winner is more obvious.
The prospect is very good, and the insurance industry is a sunrise industry. You have a temper.
The life insurance industry has a bright future.
But there are several preconditions.
First, there are connections.
Second, keep learning and improve professional quality.
Third, the incomparable love for this industry.
At the same time, do the following.
1. Have a good attitude, and be sure to stick to it in the face of setbacks.
2. Have a good habit. For example, keep studying every day and communicate with people anytime and anywhere.
3. Have a set of sales skills that suit you.
4. Have a certain professional level.
Good prospects!