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（二）近期保險(xiǎn)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(guó)壽、平安等行業(yè)龍頭公司的帶動(dòng)下，壽險(xiǎn)行業(yè)開(kāi)門紅表現(xiàn)不俗。根據(jù)保監(jiān)會(huì)公布的數(shù)據(jù)顯示，壽險(xiǎn)市場(chǎng)整體原保費(fèi)收入同比增長(zhǎng)20%，連續(xù)兩年實(shí)現(xiàn)開(kāi)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(shí)現(xiàn)開(kāi)門紅背后的主要驅(qū)動(dòng)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(lái)看，一方面，保險(xiǎn)業(yè)新“國(guó)十條”以及國(guó)務(wù)院關(guān)于加快發(fā)展商業(yè)健康保險(xiǎn)的意見(jiàn)等政策陸續(xù)發(fā)布，開(kāi)拓了保險(xiǎn)業(yè)的服務(wù)領(lǐng)域；另一方面，目前市場(chǎng)利率已經(jīng)進(jìn)入下行通道，縮小了保險(xiǎn)產(chǎn)品與其他理財(cái)產(chǎn)品的收益差距，提升了吸引力，對(duì)保險(xiǎn)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(lái)看，絕大部分保險(xiǎn)公司在去年11月就完成了全年業(yè)務(wù)指標(biāo)，因此預(yù)留了超出一個(gè)月時(shí)間為“開(kāi)門紅”做準(zhǔn)備，一些公司在2014年底“雙12”時(shí)推出了類似“專供”形式的產(chǎn)品，首先試探了市場(chǎng)反應(yīng)，以此作為制定“開(kāi)門紅”推廣方案的參考，這是今年實(shí)現(xiàn)“開(kāi)門紅”的重要原因之一。另一方面，營(yíng)銷員增員準(zhǔn)備充分，也是今年“開(kāi)門紅”成績(jī)亮眼的主要原因。自去年10月份開(kāi)始，大部分壽險(xiǎn)公司已經(jīng)開(kāi)始招募新人培訓(xùn)，經(jīng)過(guò)數(shù)輪培訓(xùn)后，這批新人都有了比較系統(tǒng)的保險(xiǎn)展業(yè)本領(lǐng)，同時(shí)又拓展了一批新客戶，因此兩個(gè)多月的蓄客量在元旦到來(lái)時(shí)同時(shí)釋放，導(dǎo)致保費(fèi)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.