财经论丛
財經論叢
재경론총
Collected Essays On Finance and Economics
2014年
7期
53~58
,共null页
寿险公司 产品 同质 保险责任 保险合同
壽險公司 產品 同質 保險責任 保險閤同
수험공사 산품 동질 보험책임 보험합동
life insurance company;product;homogeneity;insurance liability;insurance contract
本文在厘清同质产品概念的基础上，比较分析寿险公司产品的保险责任、投保年龄、保险期间等，并构建同质指数，结果发现：我国寿险公司产品的同质程度不高。产品同质化并不是制约我国寿险业创新发展的首要因素，寿险公司要突破增长瓶颈，应在营销渠道、品牌宣传和价值传递等方面积极创新。
本文在釐清同質產品概唸的基礎上，比較分析壽險公司產品的保險責任、投保年齡、保險期間等，併構建同質指數，結果髮現：我國壽險公司產品的同質程度不高。產品同質化併不是製約我國壽險業創新髮展的首要因素，壽險公司要突破增長瓶頸，應在營銷渠道、品牌宣傳和價值傳遞等方麵積極創新。
본문재전청동질산품개념적기출상，비교분석수험공사산품적보험책임、투보년령、보험기간등，병구건동질지수，결과발현：아국수험공사산품적동질정도불고。산품동질화병불시제약아국수험업창신발전적수요인소，수험공사요돌파증장병경，응재영소거도、품패선전화개치전체등방면적겁창신。
After clarifying the concept of life insurance product homogeneity , this paper makes a comparative analysis on products of different companies in their insurance liability , entry age and insurance period , which leads to the construction of a homogeneity index .It is found that life insurance products in China do not have the problem of high degree homogeneity . Therefore, product homogeneity is not the primary factor that restricts the innovation of life insurance industry .In order to break through the bottleneck of growth , life insurance companies should innovate in such areas as marketing channel , brand publicity and value delivery .
