论我国产险公司分散性业务营销模式的创新  

作　　者：黄英君 

机构地区：[1]西南财经大学保险学院,四川成都610074

出　　处：《保险研究》2008年第1期44-47,共4页Insurance Studies

摘　　要：虽然改革开放以来我国以家财险为主的分散性产险业务曾取得过不错的发展业绩,但进入上世纪90年代中期以后,分散性业务逐渐陷入一种持续低迷的状态。在我国,分散性业务还有很大的空间未被开发利用,综合来看,影响其发展的主要制约因素有制度与政策层面、社会和消费者层面、保险公司层面的原因。由于财产保险分散性业务涉及面广,因此,必须提倡优质服务,采取科学有效的经营策略,建立、健全营销网络、应用灵活多样的营销手段,创新分散性业务营销模式,才能最大限度地挖掘出分散性险种的市场潜力。Even though the dispersed property insurance business, mainly household property insurance, has made an impressive advance since the adoption of the reform and open-up policy, this type of business was in a protracted recession since mid-1990s. Dispersed business has a large potential untapped in China. The factors restricting its development are mainly related to macro-policy, social and consumer situation and insurers themselves. Dispersed property insurance businesses cover a broad area, therefore to explore its potential to the full, insurers must offer quality services, manage the business effectively, establish a complete distribution network, adopt flexible distribution means and innovate on the distribution model for this type of business.

关 键 词：分散性业务 营销模式 家庭财产保险 险种结构 

分 类 号：F840.65[经济管理—保险]