我国西部农村寿险市场分析及制度选择

Insurance Market in China Western Agricultural Aera Analysis and System Selection

影响西部寿险需求的主要因素是农民对寿险产品的认知度、经济发展水平、自然条件、产品性价比和文化传统等;影响西部农村寿险市场供给的主要因素是寿险市场的制度选择与当前中国西部寿险市场的发展现状不适应。根据西部农村寿险市场的现状可进行相互保险公司的尝试,采取兼业代理和个人代理相结合的代理制度模式,并针对西部农村这一目标市场进行相应的险种策略选择。

Investigation finds that the main factors affecting life insurance demand are farmers' acknowledge with insurance products, economical development, natural environment, the ratio of function to price and cultural tradition. The main factors that affect supply are the system selected is not suited to the development degree of insurance market. The suggestion is selection of effective system.