Xiang Junbo, Chairman of China Insurance Regulatory Commission, said at Lujiazui Forum 20 15 on 26th that by 2020, a modern insurance service industry with comprehensive guarantee, perfect functions, safety and stability, standardized integrity, strong service ability and innovation ability, international competitiveness and suitable for China's economic and social development will be presented to the world. China will realize the transformation from an "insurance power" to an "insurance power". In order to realize this vision, China insurance industry will continue to intensify reform and innovation. Accelerate the development of insurance industry from industry will to national will. From 20 14 to 10, the General Office of the State Council issued "Several Opinions on Accelerating the Development of Commercial Health Insurance", which further improved the development system of commercial insurance. In May this year, the the State Council executive meeting passed the preferential tax policies for commercial health insurance, and commercial health insurance ushered in a golden period of development. The state's attention and support to the insurance industry opened the China model of the emerging insurance market development and activated the huge development potential of the insurance industry in China.
First, the insurance industry should be not only "big" but also "strong". The development in the next decade should pay more and more attention to the quality and guarantee of premium, rather than the scale of premium. Over the past twenty years, the excessive pursuit of premium scale and the confusion of bank insurance, agents and intermediary channels have made insurance bear the stigma of "pyramid scheme". This is because capital pursues profits and short-term interests, which destroys the industry ecology. Sooner or later, capital will be discovered, and if it continues like this, it will be exhausted. Coupled with state control, the insurance industry will have a more obvious improvement in the next decade. It will gradually connect with foreign companies, and more and more medium-sized companies will enter the market and compete constantly, which will also force insurance companies to upgrade themselves from products and services.
Second, at present, 90% of the insurance practitioners' professional quality and professionalism can no longer meet the increasing insurance demand of customers, so in the next 10 year, the insurance industry is in urgent need of a group of high-quality talents, and the country should also have a supporting professional qualification certification system. Separation of production and marketing is the general trend.
Third, it will become increasingly impossible for insurance companies to make money by paying the difference. With the development of Internet and the improvement of people's consciousness, information is more and more symmetrical, the agent system will go to the grave, and online marketing will become the mainstream. Insurance companies will improve their investment ability, pursue differentiated development and build their own ecology.
Four, with the development of science and technology, health insurance, property insurance (mainly auto insurance), will usher in earth-shaking changes, annuity insurance will bear more social pension responsibilities, products will become more and more reasonable. With the help of the long tail effect brought by the Internet, customers' insurance needs will be fully met (such as home insurance).
Insurance will become a necessity. I hope more people of insight will join the insurance industry.
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