关于寿险业经营转型的思考——基于疫情后的行业发展现状分析  

Reflections on the Business Transformation of the Life Insurance Industry——Analysis of the Current Development of the Industry based on the Post Epidemic Situation

作　　者：李弘 陈萍 唐俊杰 任欣月 Li Hong;Chen Ping;Tang Junjie;Ren Xinyue

机构地区：[1]国家金融监督管理总局绵阳监管分局,四川绵阳621000

出　　处：《西南金融》2023年第12期80-92,共13页Southwest Finance

基　　金：四川省保险学会2022年度立项课题“后疫情时代寿险业经营转型思考”(编号:2022SCBX05)的研究成果。

摘　　要：2020年以来,蔓延全球的新冠疫情成为影响深、持续久的“黑天鹅”事件。这导致2020年全球寿险保费收入27974亿美元,较上年下降4.4%。中国寿险业正处于初级发展阶段,受疫情冲击,行业发展出现重大转折,呈现出一系列新的发展特点和趋势,渠道建设、营销模式、增长动能等方面的深层次问题凸显,各寿险公司为此纷纷寻求转型之路。本文结合大量经营指标,从队伍、产品、客户、渠道、运营等方面,深度分析寿险业发展现状,提出针对性的转型发展策略和监管引领建议,希望以此推动寿险行业及监管的高质量发展。Since 2020,the COVID-19 pandemic that has spread around the world has been a deep-impacting and long-lasting black swan event.This resulted in global life insurance premium income of$2797.4 billion in 2020,down 4.4%from the previous year.China's life insurance industry is in the primary stage of development.Due to the impact of the epidemic,the industry's development has taken a major turn,showing a series of new de-velopment characteristics and trends,and deep-rooted problems in channel construction,marketing model and growth momentum have come to the forefront,for which life insurance companies have been seeking a path of transformation.Combined with a large number of operational indicators,this paper deeply analyzes the current de-velopment situation of the life insurance industry in terms of teams,products,customers,channels,operations,etc.,and puts forward targeted transformation and development strategies and suggestions for regulatory leader-ship,in the hope of promoting the high-quality development of the life insurance industry and regulation.

关 键 词：人寿保险 健康险 保险经营 数字化转型 保险营销 保险科技 保险监管 家庭金融资产 

分 类 号：F842[经济管理—保险]