我国寿险公司的增长方式和可持续发展问题

寿险业要实现又快又好地发展，必须树立和落实科学的发展观，驶入高速、低成本的发展轨道。寿险公司设立后，不可避免地要有一个高成本或中成本阶段，这就需要在保持保费较高增长速度的条件下，尽快从最初的高成本、中成本增长方式转变为低成本增长方式。转变的过程，就是不断降低成本，减少、消除利差损的过程。要通过宣传、教育，使降低成本、转变增长方式成为寿险行业的共识，增强高级管理人员的成本意识；要向股东讲解寿险公司的发展规律、比较各种增长方式的优劣，通过股东约束公司的成本；保监会对直管的寿险公司的经营成本可适当干预，带动寿险行业的成本降低；推动产品创新、销售方式创新、服务创新、管理模式创新，通过提高经营效率降低成本。

The life insurance industry must establish and uphold a scientific concept of development and follow a high-speed but low-cost track of growth in order to achieve a fast and healthy development. A life insurance company will unavoidably experience a medium or high-level cost period immediately after its establishment. It must transit from the initial medium and high-cost growth model to a low-cost growth model at its earliest while maintaining a relatively high speed of premium expansion. This transition is a process of decreasing cost and narrowing down and removing negative interest spread. We should employ education and publicity efforts to establish the concepts of lowering cost and transforming growth model as industry consensus, and to enhance cost consciousness of senior management personnel. We should also explain to insurers＇ shareholders the development rule of life insurance companies and the pros and cons of different business growth models, and have shareholders play a role in constraining insurers＇ costs. China Insurance Regulatory Commission is to exert a proper level of interference in cost control by life insurers directly under its supervision to promote cost deduction of the whole industry. Finally, product innovation, sales methods innovation, service innovation and management model innovation are to be encouraged to achieve cost deduction through improvement of operating efficiency.