Problems in China Insurance Market

Insurance Bian Xiao helps you answer, and more questions can be answered online.

A few days ago, Professor Sun Qixiang from Peking University wrote an article about the insurance market in China:

* * * There are many sex products, but few special products.

There are many comprehensive companies and few professional companies.

There is more price competition and less service competition.

There are many mobile people, but there are few talent reserves.

There are many institutions and less market cultivation.

The reason is that premium and market share are used to measure output and industry development.

Problems that have occurred in developed countries in the past will also exist in China's insurance market, and there will also be problems that they have never seen before. There may be problems in supervision, publicity, practitioners and consumers, as well as * * *.

There are many problems in the development of property insurance in China. If you think the above summary is too general, you can also specifically say:

1. Excessive competition in some market segments, simple and primitive means of competition, two highs and one low (high fees, high returns and low rates) are common market behaviors that violate supervision.

Second, the operating data of insurance companies are distorted;

Third, insurance sales will not develop and cultivate the market.

Fourth, the quality of insurance practitioners is uneven;

Five, the insurance company's business model is unified, there is no difference in management.

Six, China insurance companies have insurance salesmen without insurance marketing (can also be used as a topic).

Seventh, the specialized operation of property insurance lacks core competitiveness and business process control.

Eight, ordinary and extensive management

There are too many questions, and this article is too capitalized. I suggest breaking it down.