(二)近期保險行業(yè)發(fā)展環(huán)境分析
(Ⅱ)Analysis on the Recent Development Environment of Insurance Industry
2015年元月,在國壽、平安等行業(yè)龍頭公司的帶動下,壽險行業(yè)開門紅表現(xiàn)不俗。根據(jù)保監(jiān)會公布的數(shù)據(jù)顯示,壽險市場整體原保費收入同比增長20%,連續(xù)兩年實現(xiàn)開門紅。
Driven by such industrial leaders as China Life and Ping An, the life insurance industry scored remarkable achievements in January 2015, securing a good start. According to the data released by the CIRC, the original premium income of life insurance market as a whole registered a YOY increase of 20%, ensuring a good start for two consecutive years.
“外部利好+內(nèi)部預(yù)熱”是實現(xiàn)開門紅背后的主要驅(qū)動因素:
“External boon and internal warm-up” are the main driving forces behind the good start.
從外部宏觀環(huán)境來看,一方面,保險業(yè)新“國十條”以及國務(wù)院關(guān)于加快發(fā)展商業(yè)健康保險的意見等政策陸續(xù)發(fā)布,開拓了保險業(yè)的服務(wù)領(lǐng)域;另一方面,目前市場利率已經(jīng)進入下行通道,縮小了保險產(chǎn)品與其他理財產(chǎn)品的收益差距,提升了吸引力,對保險業(yè)的發(fā)展形成利好。
Judging from the external macro environment, on the one hand, the successive release of the Ten New Measures for the insurance industry and the opinions of the State Council for accelerating the development of commercial health insurance has expanded the service scope of the industry sector; on the other, the current market interest rate has entered into a downward channel, shortened the profit gap between insurance products and other financial products, and made the products more attractive, which serves as a boon for the development of the insurance industry.
從行業(yè)自身情況來看,絕大部分保險公司在去年11月就完成了全年業(yè)務(wù)指標,因此預(yù)留了超出一個月時間為“開門紅”做準備,一些公司在2014年底“雙12”時推出了類似“專供”形式的產(chǎn)品,首先試探了市場反應(yīng),以此作為制定“開門紅”推廣方案的參考,這是今年實現(xiàn)“開門紅”的重要原因之一。另一方面,營銷員增員準備充分,也是今年“開門紅”成績亮眼的主要原因。自去年10月份開始,大部分壽險公司已經(jīng)開始招募新人培訓(xùn),經(jīng)過數(shù)輪培訓(xùn)后,這批新人都有了比較系統(tǒng)的保險展業(yè)本領(lǐng),同時又拓展了一批新客戶,因此兩個多月的蓄客量在元旦到來時同時釋放,導(dǎo)致保費激增。
When it comes to the industrial landscape, most of the insurance companies achieved their year-round operational indicators in November last year, so they reserved more than one month to gear up for the “good start”. Some companies rolled out products similar to “exclusive supply” on December 12, which initially explored market reaction and served as the reference for developing the “good start” outreach programmes. This is one of the important reasons behind this year’s “good start”. On top of that, the insurance companies have been well-prepared for increasing new sales members, another major cause for the exciting performance. Since October 2014, most of the life insurance companies have started recruiting and training new staff members who have been equipped with systematic skills in insurance practice after rounds of training. A host of new clients have also been expanded. Therefore, customers accumulated in more than two months were released simultaneously as the New Year approached, contributing to a surge in insurance premium.
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