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我国的寿险业保费规模从2000年以来的11年间共实现增长11.6倍,年均复合增长率达到27.1%(见图1)。但是从2011年开始行业持续高增长的趋势终结,高速发展阶段积累的矛盾和问题逐渐凸显,寿险业进入了艰难的调整期。当前,整个寿险行业自上而下都在探索转型,转什么,朝什么方向转,如何转,是我们需要认真思考的问题。转型背景当前,我国寿险业已显现出一系列“病症”:一、寿险业粗放型的发展模式遭遇“瓶颈”
The life insurance premiums in our country have achieved a total increase of 11.6 times in the 11 years since 2000, with an average annual compound growth rate of 27.1% (see Figure 1). However, since 2011, the trend of sustained high growth in the industry has come to an end. The contradictions and problems accumulated during the rapid development phase have gradually become prominent. The life insurance industry has entered a difficult period of adjustment. At present, the entire life insurance industry is exploring the transformation from top to bottom, what to turn, what direction to turn, how to turn, is that we need to seriously consider the issue. Transition Background At present, China’s life insurance industry has shown a series of “illnesses”: First, the extensive development model of life insurance industry encounters “bottlenecks”