山东新华保险发展现状及对策分析要点.docx

目? 录山东新华保险发展现状及对策分析摘要在当今快速发展的社会中,人口老龄化、城市化进程不断加快，人们身处在一个更加复杂多元化的社会，对转嫁自身风险来获取保险保障的意识也在不断地增强。然而就现阶段我国的保险行业而言，保险产品能够保障的范围还比较有限，难以满足我国众多家庭中对于保险特别是人身保险的需求，因此，商业寿险的发展和创新就显得特别重要，它作为我国社会保险的有益补充有着重要地位，特别是随着人们对自己生命健康的愈发重视使得商业寿险的地位和作用更加突出。山东新华保险作为以商业寿险为主的保险机构，在这种社会需求下，如何更好地促进山东新华寿险的发展，提高寿险的保障水平，值得深入研究。本文通过运用实地调查法、观察法、文献研究法，对我国寿险业发展现状进行深入剖析，以山东新华保险公司为例找出来目前我国寿险业发展过程中所存在的问题并对所存在问题的原因进行详细分析，最后提出解决寿险业发展问题的对策。旨在改善人们的投保意识，提高寿险公司经营能力，促进我国寿险业持续、健康发展，具有重要的现实意义。关键词：寿险 新华保险 发展现状 问题 对策AbstractAbstract：In todays rapid development of the society, the aging of the population, the city to speed up the process, people live in a more complex and pluralistic society, to shift their risk to obtain insurance consciousness is constantly enhanced. However, at the present stage of Chinas insurance industry, the scope of insurance products to protect the still relatively limited, it is difficult to meet many families in China for the insurance especially life insurance demand, therefore, the development and innovation of commercial life insurance is particularly important, it as a useful supplement of Chinas social insurance plays an important role in particular, with people on their health status and role of the increasingly attach importance to the commercial life insurance is more prominent. Shandong Xinhua insurance as insurance institutions to commercial life insurance, in such circumstances, how to better promote the development of Shandong Xinhua life insurance, life insurance to improve the level of protection, worthy of further study. In this paper, through the use of field survey method, observation method, literature research method, in-depth analysis of the status quo of Chinas insurance industry in Shandong, Xinhua insurance company as an example to find out the development process of Chinas life insurance industry problems and detailed analysis on the causes of the problems, and finally puts forward the countermeasures to solve the problems of life insurance industry the development