1. From the perspective of market structure, the original insurance market is large and the reinsurance market is small; The rapid development of the market, the slow development of regulatory laws and regulations, the confusion of insurance intermediaries, the serious violation of regulations by agents, the operation of power and official control make all insurance subjects in an unequal position in the market.
2. With the deepening of China's insurance system reform, export credit insurance, agricultural insurance and other policy insurance businesses will be separated from commercial insurance companies, and special policy insurance companies will be established by the state. At the same time, franchise insurance companies specializing in fire insurance or motor vehicle insurance will be established in the next few years.
3. With the further deepening of economic reform in China, commercial insurance will be more deeply rooted in people's hearts. While enterprises and residents are gradually raising their awareness of insurance, their awareness of insurance choice is also increasing, and the demand for insurance is diversified and specialized.
4. Under the background of peer competition at home and abroad, higher requirements are objectively put forward for insurance practitioners. Commercial insurance companies will pay more attention to the training of talents, not only to train talents who meet the needs of domestic insurance business development, but also to train talents who are proficient in international insurance management.
Extended data:
Matters needing attention
1, reasonable use hesitation period
Life insurance products with a term of more than one year have a hesitation period. The hesitation period is 15 days from the date when the insured receives the policy and signs it in writing. If the consumer is not satisfied with the insured amount or the selected insurance company, he can propose to terminate the contract with the insurance company within the hesitation period, and the insurance company will refund all the insurance premium after deducting the cost (generally 10 yuan).
After the hesitation period, the insurance company will charge the refund premium according to the contract, and consumers will have certain losses.
2, cooperate to accept a return visit
If the insurance company pays a return visit by telephone, letter or door-to-door, please answer the insurance company's questions and ask the insurance company to answer questions about the insurance contract.