Insurance in the modern sense since the emergence of Western society around the 14th century, marine insurance began, and the early 19th century into China. New China's insurance industry, from the rectification and reform of the old insurance industry, after the setback of the closure, under the impetus of the reform and opening-up policy, and in 1980 officially restored and rapid development. A series of reforms have been carried out to the insurance system, introducing the competition mechanism, establishing the separate operation and management, accelerating the construction of the insurance intermediary market, cultivating a team of insurance agents, and rationalizing the allocation of insurance resources; at the same time, the insurance industry has begun to pay attention to the implementation of comprehensive risk management, and the asset-liability matching management, as one of the core elements of the implementation of comprehensive risk management, has increasingly attracted the attention of the insurance companies and insurance regulators. At the same time, the insurance industry has begun to focus on the implementation of comprehensive risk management. However, compared with the insurance industry of foreign developed countries, China's insurance industry is still in the early stage of development, and there are still some problems in the development of the insurance industry:
One of them is insufficient effective demand for insurance.
Secondly, the number of insurance organizations is increasing, but the quality of insurance services is still not high.
Thirdly, although the insurance service is improving, the credibility crisis is serious.
Fourth, insurance supervision is insufficient and limited.
Two, to solve the problems of China's insurance industry countermeasures
Through the above analysis, we should be soberly aware of the development of China's insurance industry problems and difficulties faced, especially for the promotion of China's long-term, healthy development of the insurance industry there are still a lot of work to be carried out and improved to better promote the development of China's insurance industry should focus on doing the following work:
(I) Strengthen insurance education and publicity
1. Strengthen the popularization of national insurance knowledge education and publicity. Through strengthening communication and contact with the news media, actively carry out publicity and education on insurance knowledge, constantly expand the influence of insurance publicity and raise the residents' awareness of insurance.
2. Strengthen the education of insurance majors in school universities. With the rapid development of China's insurance, the demand for insurance talents is also higher and higher, in order to adapt to the new era of the insurance industry's demand for talents, firstly, focus on insurance theory research and strengthen practical teaching. Secondly, to strengthen the exploration of the international convergence of talent training mode. Thus, we can cultivate more international insurance talents and make greater contributions to China's insurance industry.
3. Strengthen on-the-job education for insurance practitioners. There are many insurance practitioners in China, but not many practitioners have really received professional insurance education through colleges and universities. For this reason, insurance practitioners should be strongly encouraged to continue their education through self-testing, correspondence and other social examinations, and constantly improve the theoretical knowledge of insurance and the quality of practice; at the same time, we should also strengthen the training of practitioners, and through the organization of the qualification examination for insurance practitioners, etc., to improve the professional level of the practitioners.
(2) Transformation of insurance services
With the development of market economy, the quality of service, means of service, service level has become the key to the development of the insurance industry. Future competition in the insurance market, in the competition for talent, product competition, service competition among the three, service competition will occupy an important position. Therefore, the insurance industry to strengthen the service function, improve the social image, has been a top priority.
1. Improve the service consciousness of the whole staff, cultivate the concept of service of the staff, set up all services to the community, the purpose of serving the policyholders, in the pre-policy, insurance, after the activities of the policyholders to provide quality service.
2. Simplify procedures and improve efficiency. In the design of the business operation process, should focus on customer convenience, the implementation of a window to complete the insurance procedures to reduce the customer unnecessary trouble.
3. Enrich the content of claims service, accelerate the speed of claims, so that small claims are immediately available, and large claims are sent to the door. The establishment of the first claim system, the implementation of the first who received the report, from the survey, loss determination, compensation for the work are responsible for the coordination and implementation of the organization, to reduce the internal turnover links, to facilitate the policyholder claims. The establishment of a feedback form for claims, strengthening supervision and inspection, and increasing the transparency of claims processing work.
(3) Strengthen the integrity of the construction, improve the credibility of the insurance company
1. Strengthen the management of insurance marketers and education to establish a good social image of the insurance industry. First of all, we should grasp the insurance enterprise credit "remedial lessons".
2. Vigorously strengthen the construction of the credit system, the formation of integrity of the institutional norms and social environment. (1) to market traders as the main body of the basic credit. That is to focus on enhancing the insurance and insurance companies in the community's sense of identity and trust; (2) to the legal system, international practices and business habits as the dominant system of credit, the first thing is to establish as soon as possible the whole insurance enterprise credit assessment system; (3) to the government supervision of the supervision of credit. Responding to the market players to the government trust, relying on individuals as well as the construction of the whole society credit system. At present, whether from the economic environment or from the legal environment, it should be said that the environment to build a personal credit system has been available, and its final establishment will not be far away.
3. To adhere to the integrity-based, severe punishment for breach of trust, so that integrity-based in the insurance industry really become the wind, the first, the most basic, the most useful is really in the interest-oriented, interest mechanism - that is, in the most fundamental rules of the game on the effort. On the one hand, make heavy integrity, trustworthy enterprises and individuals can profit, can get the benefits, that is, so that integrity has become a powerful means of competition, means of profit, so that "sincerity from the"; on the other hand, must make false, cheating enterprises and individuals can not profit, and be punished, that is, to make bad faith to pay the price, and to make its The cost is large enough to make "skillful fraud is not as bad as sincerity".
(D) Strengthen insurance supervision
1. In view of the late start of China's insurance industry, the government supervision of the insurance market is appropriate to adopt the form of strict supervision to protect the interests of the insured. Strengthening insurance supervision is mainly reflected in the regulatory organization and regulatory system: from the perspective of regulatory organization, CIRC, as China's governmental supervisory body, should strengthen the construction of local insurance supervisory bodies, gradually set up its dispatch offices in localities, and further improve the quality of its supervisory personnel and supervisory level; from the perspective of the supervisory system, firstly, advanced and effective supervisory concepts and supervisory means from foreign countries and overseas should be fully absorbed and utilized; secondly, the supervision of the insurance market should be strengthened. In terms of regulatory system, firstly, we should fully absorb and utilize the advanced and effective regulatory concepts and supervisory means in foreign countries and overseas countries; secondly, we should strengthen the supervision of the regulators and their staffs, and when the conditions are ripe, we should gradually transition from the regulatory principle of giving equal importance to the regulation of market behaviors and the regulation of solvency to the regulatory principle with the regulation of solvency as the core.
2. Improvement of industry self-regulation. on November 16, 2000, the Insurance Association of China (IAOC) was established and adopted a convention for the industry, but it is yet to be improved. (1) Gradually improve China's insurance industry self-regulatory organizations, such as insurance agent associations, insurance broker associations and insurance public adjuster associations should be established in addition to the established China Insurance Industry Association to provide organizational guarantee for industry self-regulation; (2) formulate various statutes and systems for insurance industry self-regulatory organizations; (3) inspect the business conduct of each insurance company and insurance intermediary and promptly correct their irregularities.
3. Standardize corporate internal control. Improving the internal control system of insurance companies is an important part of improving the system of insurance companies. The organizational forms of Chinese insurance companies are joint-stock companies and wholly state-owned companies, and thus a modern enterprise system should be established in accordance with the provisions of the Company Law on limited liability companies and the Insurance Law to form the internal control system of insurance companies and to ensure the formation of a legal operation, self-financing and self-development mechanism of insurance companies.