农村寿险发展外部政策相关问题研究

External Policy and Relevant Reflections on the Rural Life Insurance Development

《国务院关于保险业改革发展的若干意见》颁布后,中央政府进一步勾勒了保险业服务"三农"的蓝图,各省区政府相继制定并下发了当地保险业发展的实施意见,充分表明我国农村寿险已经迎来一个良好的战略机遇期。相关政策在为农村寿险业务带来诸多"利好"的同时,也可能陷入"利空"地带。商业寿险公司宜从总公司、省级分公司和地市分公司多个层面,大力挖掘政策商机,稳打稳扎,趋利避害,促进农村寿险业务实现跨越式发展。

With the issuance of ＂State Council＇s Many Opinions on Development and Reform of the Insurance Industry＂, the central government further sketched the blueprint for the insurance industry to serve ＂agriculture, rural areas and farmers＂ and provincial and prefecture governments issued implementation measures on the insurance industry＇s development. These are promising signs that rural life insurance industry is facing with the strategic window of opportunity for development. While relevant policies have brought about many positive opportunities, they might as well make a negative turn. Commercial life insurers should vehemently explore business opportunities from the level of head office, provincial branch level and city and prefecture branch level, make steady advancement, seek opportunities while avoiding adverse situations, and promote longstride development of rural life insurance business.