寿险公司谨防“虚热”

The Precaution of the False Prosperity of the Insurance Company

寿险业务迅速增长的同时潜在的风险也在增加,保费收入上升的同时利润率却下降。主要是由于投资收益缩水,退保率持续上升,经营成本大幅增长以及目前代理人制度中存在的问题引起的。寿险公司应看到繁荣背后的危机,谨防虚热。要积极发展绩优业务,提高续保率;整顿代理人队伍,改革佣金制度;加强保险公司的制度建设和企业文化的培养。

The risks are growing with the rapid increasing of life insurance businesses,and the profits are shrink while the premiums are rocketing.The reason is that the investment shrinkage,the increasing of surrender rate and operating costs,and the problems existing within the present agent system.The insurance companies should find out the crisis behind the prosperity.They should do the well-written business and improve the persistency rate,recognize the agents,innovate the commission systems and enhance the construction of all systems.