The Study Of Universal Insurance Alienation And Countermeasures In China

Under the increasingly stringent supervision environment of universal insurance.Some insurance companies in the online platform face the dual pressure of expansion of premium scale and capital appreciation of the company.In China's insurance market.The growth rate of universal insurance has shown a slowing trend in 2017.There has been a turning point in the pace of development of universal insurance.Taking the inflection point of universal insurance as the research background.The author used the literature review method.Normative research method and comparative analysis method to elaborate the development history of China's universal insurance from 2002 to the present day.Introduced the development status of universal insurance and pointed out that China's universal insurance has appeared dissimilation.In the four years from 2012 to 2016.China's universal insurance is in a period of rapid development.Insurance companies frequently use brand licensing and aggressive use of insurance funds.Bringing high investment income to insurance companies and at the same time causing the alienation of universal insurance.Therefore,in the third chapter.This paper mainly analyzes the causes of the dissimilation of universal energy in China and the problems brought by the dissimilation of universal insurance.The main reasons are the alienation caused by China's regulatory guidance.The alienation caused by the greed for the shareholders and the inertia of the company managers.Alienation caused.The problems brought about by the dissimilation of universal energy in China are: a series of problems caused by the mismatch of assets and liabilities.which weakens the protection function of life insurance and the seriousness of surrender.Finally.Hina's universal insurance.First.It strengthens the proactive asset and liability management model.Second.Improve the structure of universal insurance products to implement the safeguard function.Third.increase the management of sales personnel to reduce the rate of surrender.The fourth is to improve the solvency supervision system.