基于现代风险管理理念的团体保险销售服务创新研究

Study on the Innovation of Group Insurance Sales Ser- vice Model Based on the Modern Risk Management Theory

传统的销售理念已经不再适应快速发展的中国寿险市场,因而迫切需要转换寿险销售的指导思想和服务理念。本文认为,在团体保险销售中引入了现代风险管理理念与服务范式,利用现代风险管理理念与服务范式对团体保险业务的传统销售服务方式进行修正,进而实现团体保险销售从传统的简单推销向风险管理服务的转变,促进寿险公司团体保险业务服务水平的提升,是目前我国团体保险发展的必然选择。

The traditional life insurance sale model has not been able to keep abreast with the fast developing life insurance business and needs to be changed. Therefore, we point out that the new service model based on the modern risk management theory is better than the traditional life insurance sale model and embodies the marketing idea. In this paper we advance that the life insurance company in China should apply modem risk management theory, and service model to the group insurance sales service, which can improve the level of the life insurance Company＇s service.