当前大多数领域特别是竞争性行业已由卖方市场转向买方市场,保险业也不例外,主要表现为:一是保险机构增多,投保人自己主宰投保行为;二是保险企业增多,出现了一家保户几家公司“追逐”,一张保单几家“分食”的现象;三是保险市场购买力相对不足;保险市场形成“买方”格局已成不争的事实。 At present, most areas, especially the competitive industries, have shifted from the seller’s market to the buyer’s market. The insurance industry is no exception. The major manifestations are as follows: firstly, the number of insurance institutions is increased and the policyholders themselves dominate the insurance policies; secondly, the number of insurance companies is increasing and there is a guarantee Several “chasing” and “splitting up” of several insurance policies are one of the problems in the household registration. Third, the purchasing power of the insurance market is relatively insufficient. It is an indisputable fact that the insurance market has formed a “buyer” pattern.