影响我国寿险保费收入的因素分析.doc

摘要：近年来人寿保险业的发展在经过一段低潮期后迅速发展，取得良好的保费收益，但同时也遇到了险种单一，市场中部分诚信缺失等问题阻碍了寿险的发展，造成保费收入的降低。只有建立稳定适宜的市场化秩序才能逐步解决我国寿险业遇到的问题，提高我国寿险保费收入。本文从人寿保险业的发展趋势以及方向作出了分析，并就目前人寿保险业遇到的问题提出了相关建议和具体措施，以促进我国寿险业积极稳健发展，提高我国寿险保费收入。

关键词：寿险  保费收入  发展进程  影响因素  

Abstract: In recent years the development of the life insurance industry after a period of low ebb period of rapid development,and achieved good premium income, but also encountered a single market in insurance, lack of honesty and credit problem block up such as life insurance premium income of the development, resulting in reduced. Analysis of China's life insurance premium income influence factor is the key to improve life insurance premium income. This article from the life insurance industry development trend and direction made an analysis, and the life insurance industry problems and puts forward related suggestions and measures, in order to promote China s life insurance industry positive healthy development, improve China's life insurance premium income.

Keywords: Life insurance   premium income   development process   influence factors

　　就目前情况而言，我国人寿保险业保费收入的增加受到许多不利因素的制约正在逐渐减缓，寿险业处于瓶颈期这样一个状态，要想寿险业有所突破，继续发展并非一朝一夕就能完成的，需要国家甚至社会，以及经济市场主体本身的不断努力才能真正进步。只有树立明确的目标，实行妥善的政策，统筹兼顾，立足长远，有坚定的信念才能使人寿保险业又好又快发展，从而真正提高我国寿险业保费的实际收入。