中国人寿保险分红险

中国人寿保险分红险 保险营销----中国人寿保险分红险 学院:经 济 贸 易 学 院 班级:11级市场营销1班 姓名: 张 硕 学号:201128080107 and other bad habits. Implementation to grab at the front, the maximum possible for jobs initiative to achieve efficient service. To carry forward the meticulous, detailed style. In the Office is no small matter. Business services a small mistake, it is possible to order at its meetings disrupted the entire, feedback on the content and timing a bit negligent, it could work in a passive position, slightly poor reception, may affect the image of a place and unit. Therefore, the Office staff with a high degree of professionalism and responsibility, serious and responsible, meticulous, careful to do everything to ensure that globalSmoothly. To carry forward the hard work, honest style. Adhere to the "Ning public and poverty, is not private and rich" old adage, bearing in mind the purpose of serving, consciously resist the erosion of various corruption and self-discipline, integrity, do not take leadership on behalf of the Office for personal affairs, not banner of leading organs of self-serving, and always maintain and carry forward the fine style of hard work, thrift and career, be honest and upright. Comrades, Government Office work task is glorious, a great responsibility. Hope the city's system of Government Office around the overall situation, pay attention to implementation of work in the purpose, give full play to staff aides, integrated and coordinated implementation, supervision, service functions, close contact, strengthen coordination, collaboration, efforts for grass-roots leadership services, service, quality and level of services for the masses to push to a new level. 2003 annual summary meeting of the Office of the municipal government reports on innovation 摘 要 根据《中华人民共和国保险法》中的描述:狭义——保险是指投保人根据合同的约定，向保险人支付保险费，保险人对于合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任，或者当被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限时承担给付保险金责任的商业保险行为。广义——保险是指保险人向投保人收取保险费，建立专门用途的保险基金，并对投保人负有法律或者合同 规定 关于下班后关闭电源的规定党章中关于入党时间的规定公务员考核规定下载规定办法文件下载宁波关于闷顶的规定 范围内的赔偿或者给负责人的一种经济保障 制度 关于办公室下班关闭电源制度矿山事故隐患举报和奖励制度制度下载人事管理制度doc盘点制度下载 。 “保险”是一个在我们的日常生活中出现频率很高的名词，一般是指办事稳妥或有把握的意思。但是在保险学中，“保险”一词有其特定的内容和深刻的含义。在我国，保险是一个外来词，是由英语“insurance”一词翻译而来的。在西方保险业最先进入我国的广东省，曾习惯称保险为“燕梳”，也正是其英文的音译。保险作为一种客观事物，经历了萌芽、产生、成长和发展的历程，从形式上看 表 关于同志近三年现实表现材料材料类招标技术评分表图表与交易pdf视力表打印pdf用图表说话 pdf 现为互助保险、合作保险、商业保险和社会保险。 关键词:保险 投资 经济 and other bad habits. Implementation to grab at the front, the maximum possible for jobs initiative to achieve efficient service. To carry forward the meticulous, detailed style. In the Office is no small matter. Business services a small mistake, it is possible to order at its meetings disrupted the entire, feedback on the content and timing a bit negligent, it could work in a passive position, slightly poor reception, may affect the image of a place and unit. Therefore, the Office staff with a high degree of professionalism and responsibility, serious and responsible, meticulous, careful to do everything to ensure that globalSmoothly. To carry forward the hard work, honest style. Adhere to the "Ning public and poverty, is not private and rich" old adage, bearing in mind the purpose of serving, consciously resist the erosion of various corruption and self-discipline, integrity, do not take leadership on behalf of the Office for personal affairs, not banner of leading organs of self-serving, and always maintain and carry forward the fine style of hard work, thrift and career, be honest and upright. Comrades, Government Office work task is glorious, a great responsibility. Hope the city's system of Government Office around the overall situation, pay attention to implementation of work in the purpose, give full play to staff aides, integrated and coordinated implementation, supervision, service functions, close contact, strengthen coordination, collaboration, efforts for grass-roots leadership services, service, quality and level of services for the masses to push to a new level. 2003 annual summary meeting of the Office of the municipal government reports on innovation 一、中国人寿保险简介 中国人寿保险(集团)公司及其子公司构成了我国最大的商业保险集团，是中国资本市场最大的机构投资者之一。2011年，总保费收入达到3573.75亿元，境内寿险业务市场份额为34.75%， 总资产达到1.96万亿元。 中国人寿保险(集团)公司已连续9年入选《财富》全球500强企业，排名由2003年的290位跃升为2011年的113位;连续5年入选世界品牌500强，2011年位列第264位;所属寿险股份公司继2003年12月在纽约、香港两地同步上市之后，又于2007年1月回归境内A股市场，成为内地资本市场“保险第一股”和全球第一家在纽约、香港和上海三地上市的保险公司，目前已成为全球市值最大的上市寿险公司。 中国人寿站在讲政治、顾大局、负责任的高度，坚持把强化管理，防范风险作为公司的“生命线”，注重建立健全风险管控制度和工作机制，强化员工风险意识和风险防范能力的教育培训，提高经营管理的信息技术水平，调动行政、财务、审计、纪检监察、社会监督等多种手段开展风险管控，加强公司治理和执行力建设，防范和化解经营风险的整体能力明显增强，促进了公司又好又快发展，最大限度地维护了广大客户、投资者的利益，实现了国有资产的保值增值。 中国人寿恪守“以客户为中心、以基层为重心、以价值为核心”的经营理念，积极承担行业和社会责任，努力成为“行业领先、客户and other bad habits. Implementation to grab at the front, the maximum possible for jobs initiative to achieve efficient service. To carry forward the meticulous, detailed style. In the Office is no small matter. Business services a small mistake, it is possible to order at its meetings disrupted the entire, feedback on the content and timing a bit negligent, it could work in a passive position, slightly poor reception, may affect the image of a place and unit. Therefore, the Office staff with a high degree of professionalism and responsibility, serious and responsible, meticulous, careful to do everything to ensure that globalSmoothly. To carry forward the hard work, honest style. Adhere to the "Ning public and poverty, is not private and rich" old adage, bearing in mind the purpose of serving, consciously resist the erosion of various corruption and self-discipline, integrity, do not take leadership on behalf of the Office for personal affairs, not banner of leading organs of self-serving, and always maintain and carry forward the fine style of hard work, thrift and career, be honest and upright. Comrades, Government Office work task is glorious, a great responsibility. Hope the city's system of Government Office around the overall situation, pay attention to implementation of work in the purpose, give full play to staff aides, integrated and coordinated implementation, supervision, service functions, close contact, strengthen coordination, collaboration, efforts for grass-roots leadership services, service, quality and level of services for the masses to push to a new level. 2003 annual summary meeting of the Office of the municipal government reports on innovation 青睐、最具价值”的公司，奋力打造国际顶级金融保险集团。 二、中国人寿保险险种介绍 中国人寿保险险种保险险种有少儿险、健康险、养老险、保障险、两全险、意外险、附加险、分红险、团体(企业)年金等。工薪阶层购买保险应首选取选医疗型险种和保障型险种，这样在生病或意外伤残时，可以及时得到经济上的补偿，购买时一定要注意险种的搭配组合，力求保障全面。如果您是位下海经商的成功人士，建议您有高收入的同时，一定要有高保障，高保障型险种、医疗型险种保额一定要充足，如果能兼顾子女教育和养老保险，那保障将更为全面，当然也可以通过分红险的投资功能来达到养老的目的。如果您是位各方面保障都比较全面的公务员，购买一些储蓄和投资分红型的险种(保险理财)将是一个不错的选择。如果您是刚刚踏上社会，收入较少且并不稳定，购买一些交费低廉的短期意外保险就可以了，等以后有一定的经济基础，再逐步购买其它险种。 三、中国人寿分红保险 就是指保险公司在每个会计年度结束后，将上一会计年度该类分红保险的可分配盈余，按一定的比例、以现金红利或增值红利的方式，分配给客户的一种人寿保险。 在我国保险市场上，分红险保费占据着寿险保费收入的半壁江山，而中国人寿的分红险又在其间拥有绝对优势。 中国人寿公布的最新数据显示，截至2009年底，中国人寿分红险期末有效承保人次达到4860多万;从2004年到2009年，中国人and other bad habits. Implementation to grab at the front, the maximum possible for jobs initiative to achieve efficient service. To carry forward the meticulous, detailed style. In the Office is no small matter. Business services a small mistake, it is possible to order at its meetings disrupted the entire, feedback on the content and timing a bit negligent, it could work in a passive position, slightly poor reception, may affect the image of a place and unit. Therefore, the Office staff with a high degree of professionalism and responsibility, serious and responsible, meticulous, careful to do everything to ensure that globalSmoothly. To carry forward the hard work, honest style. Adhere to the "Ning public and poverty, is not private and rich" old adage, bearing in mind the purpose of serving, consciously resist the erosion of various corruption and self-discipline, integrity, do not take leadership on behalf of the Office for personal affairs, not banner of leading organs of self-serving, and always maintain and carry forward the fine style of hard work, thrift and career, be honest and upright. Comrades, Government Office work task is glorious, a great responsibility. Hope the city's system of Government Office around the overall situation, pay attention to implementation of work in the purpose, give full play to staff aides, integrated and coordinated implementation, supervision, service functions, close contact, strengthen coordination, collaboration, efforts for grass-roots leadership services, service, quality and level of services for the masses to push to a new level. 2003 annual summary meeting of the Office of the municipal government reports on innovation 寿累计支付各类分红险赔款1961.27亿元;分配红利620.7亿元。 从行业角度讲2000年4月，中国人寿在保险市场上率先推出分红险后，10年间，分红保险已经发展成为我国寿险业第一大类险种。如今的保险市场上，各家保险公司推出的分红保产品可谓琳琅满目，丰富多彩。仅看今年上半年的新产品，除了中国人寿，还有太保、新华、泰康、安联、长生等众家保险公司，推出的产品全是分红险。 从业内人士讲中国保险市场产品结构具有很强的引导性，大型保险公司决定着产品的导向。特别是中国人寿这种行业引领型公司，10年力推分红保险，加上行业调结构的大背景，必然引导市场向有分红收益、又有较高保障的分红类保险产品倾斜。 分红产品受到市场青睐，在客观上推动了保险业的发展。以中国人寿为例，从2000年到2009年，中国人寿10年间分红险保费收入年均增幅达到126.57,，累计实现分红险保费收入达到10591.38亿元。 分红保险的发展也提升了保险业在金融领域的竞争力。通过对分红保险类产品的规划和创新，整个行业的投资管理水平有了较大的提升，包括中国人寿在内的一批保险公司的投资收益水平，已经在金融市场上显示出了较强的竞争力。 (一)中国人寿的分红险的优势 1、中国人寿一直坚持的市场策略 以发展传统型寿险产品和分红保险为主导，突出产品保障功能的and other bad habits. Implementation to grab at the front, the maximum possible for jobs initiative to achieve efficient service. To carry forward the meticulous, detailed style. In the Office is no small matter. Business services a small mistake, it is possible to order at its meetings disrupted the entire, feedback on the content and timing a bit negligent, it could work in a passive position, slightly poor reception, may affect the image of a place and unit. Therefore, the Office staff with a high degree of professionalism and responsibility, serious and responsible, meticulous, careful to do everything to ensure that globalSmoothly. To carry forward the hard work, honest style. Adhere to the "Ning public and poverty, is not private and rich" old adage, bearing in mind the purpose of serving, consciously resist the erosion of various corruption and self-discipline, integrity, do not take leadership on behalf of the Office for personal affairs, not banner of leading organs of self-serving, and always maintain and carry forward the fine style of hard work, thrift and career, be honest and upright. Comrades, Government Office work task is glorious, a great responsibility. Hope the city's system of Government Office around the overall situation, pay attention to implementation of work in the purpose, give full play to staff aides, integrated and coordinated implementation, supervision, service functions, close contact, strengthen coordination, collaboration, efforts for grass-roots leadership services, service, quality and level of services for the masses to push to a new level. 2003 annual summary meeting of the Office of the municipal government reports on innovation 同时适度发展投资型的投连和万能保险。 当不少保险公司大量推出投资型保险产品、期望迅速扩大规模之时，中国人寿仍然坚持推出能给客户提供较高保障的分红保险。正确的市场策略使中国人寿获得了稳定的现金流和较高的业务价值，公司实力不断壮大，效益持续提升，并连续8年跻身世界500强。 2、服务永远走在行业前面 中国人寿之所以能占到寿险市场的一半左右，与其优质超前的客户服务密切相关。从2000年推出第一款分红险产品千禧理财开始，中国人寿的服务一直在不断提升。中国人寿分红险客户可以通过中国人寿网站、95519服务电话或者保险代理人等多种途径方便快捷地查询保单情况。 不仅如此，客户还能享受到多种增值和特色服务。比如从2010年4月开始，中国人寿的多款分红险产品新增了生存金累积生息功能。以每两年返还生存金的“福禄双喜”为例，客户既可选择每两年一领，也可以复利的形式累积生息。而这一切都是中国人寿免费提供的增值服务。 3、中国人寿分红保险产品较高的保障性和稳定的收益性，使之受到市场青睐 中国人寿用了10年潜心打造国寿特色的分红产品，如今已经培育and other bad habits. Implementation to grab at the front, the maximum possible for jobs initiative to achieve efficient service. To carry forward the meticulous, detailed style. In the Office is no small matter. Business services a small mistake, it is possible to order at its meetings disrupted the entire, feedback on the content and timing a bit negligent, it could work in a passive position, slightly poor reception, may affect the image of a place and unit. Therefore, the Office staff with a high degree of professionalism and responsibility, serious and responsible, meticulous, careful to do everything to ensure that globalSmoothly. To carry forward the hard work, honest style. Adhere to the "Ning public and poverty, is not private and rich" old adage, bearing in mind the purpose of serving, consciously resist the erosion of various corruption and self-discipline, integrity, do not take leadership on behalf of the Office for personal affairs, not banner of leading organs of self-serving, and always maintain and carry forward the fine style of hard work, thrift and career, be honest and upright. Comrades, Government Office work task is glorious, a great responsibility. Hope the city's system of Government Office around the overall situation, pay attention to implementation of work in the purpose, give full play to staff aides, integrated and coordinated implementation, supervision, service functions, close contact, strengthen coordination, collaboration, efforts for grass-roots leadership services, service, quality and level of services for the masses to push to a new level. 2003 annual summary meeting of the Office of the municipal government reports on innovation 出有市场影响力的主打分红产品，从老一代的千禧理财、永泰、鸿鑫到新一代的美满系列、金彩明天系列和福禄系列等。 中国人寿还在这些分红险种的基础上，开发出包括附加医疗、重大疾病、意外等在内的保障型险种，使客户在分享公司投资收益的同时，充分获得保险保障。 此外，中国人寿还注重分红险种缴费和保障期的长、中、短合理搭配，使产品能满足客户养老、理财、保障、教育、医疗等多方面的需求。另一方面，中国人寿持续稳健的投资收益，更为每年的分红提供了强有力的支撑。 四、结论 中国人寿为了迎合百姓需求重在中高端理财通过对目前国内老龄化趋势、通货膨胀和投资风险等多重现状的判断，又推陈出新的推出了“返本还收益”的理财产品。所谓“返本还收益”是指被保险人在约定年龄一次性领取完祝寿金(客户所交保险费)后，以后每年还可以继续从保险公司领取相当于基本保险金额6%的生存保险金，直至身故。而据了解，这也是目前国内市场上的理财保险中返还本金时间最快的产品。按照保险合同约定，客户可在60岁就可以领回自己所交全部保险费。同时还可继续领取生存金，继续领取分红至终身，继续享有一定的身故保障金，仍然可按照保单价值进行保单借款。 分红保险的红利来源于死差益、利差益和费差益所产生的可分配盈余。中国保监会规定保险公司每年至少应将分红保险可分配盈余的and other bad habits. Implementation to grab at the front, the maximum possible for jobs initiative to achieve efficient service. To carry forward the meticulous, detailed style. In the Office is no small matter. Business services a small mistake, it is possible to order at its meetings disrupted the entire, feedback on the content and timing a bit negligent, it could work in a passive position, slightly poor reception, may affect the image of a place and unit. Therefore, the Office staff with a high degree of professionalism and responsibility, serious and responsible, meticulous, careful to do everything to ensure that globalSmoothly. To carry forward the hard work, honest style. Adhere to the "Ning public and poverty, is not private and rich" old adage, bearing in mind the purpose of serving, consciously resist the erosion of various corruption and self-discipline, integrity, do not take leadership on behalf of the Office for personal affairs, not banner of leading organs of self-serving, and always maintain and carry forward the fine style of hard work, thrift and career, be honest and upright. Comrades, Government Office work task is glorious, a great responsibility. Hope the city's system of Government Office around the overall situation, pay attention to implementation of work in the purpose, give full play to staff aides, integrated and coordinated implementation, supervision, service functions, close contact, strengthen coordination, collaboration, efforts for grass-roots leadership services, service, quality and level of services for the masses to push to a new level. 2003 annual summary meeting of the Office of the municipal government reports on innovation 70%分配给客户。所以对于中国人寿保险公司的分红险，是有很多优势的。 很多消费者在投保时一听说有很高的回报，就匆匆投保分红险，这是不理性的投保行为。现今，我国大多数居民还处于缺少保障类保险产品的现状。在选择保险产品时，首先应该以保障为先，在健康和医疗保障充足的情况下才去考虑分红型的产品, 否则客户一旦因为健康原因或发生意外风险，导致收入下降，缴纳分红险产品续期保费能力出现困难，则得不偿失。因此，投保人应该是在获得充分保障的基础上选择购买分红险，切不可为追求红利而购买保险。 and other bad habits. Implementation to grab at the front, the maximum possible for jobs initiative to achieve efficient service. To carry forward the meticulous, detailed style. In the Office is no small matter. Business services a small mistake, it is possible to order at its meetings disrupted the entire, feedback on the content and timing a bit negligent, it could work in a passive position, slightly poor reception, may affect the image of a place and unit. Therefore, the Office staff with a high degree of professionalism and responsibility, serious and responsible, meticulous, careful to do everything to ensure that globalSmoothly. To carry forward the hard work, honest style. Adhere to the "Ning public and poverty, is not private and rich" old adage, bearing in mind the purpose of serving, consciously resist the erosion of various corruption and self-discipline, integrity, do not take leadership on behalf of the Office for personal affairs, not banner of leading organs of self-serving, and always maintain and carry forward the fine style of hard work, thrift and career, be honest and upright. Comrades, Government Office work task is glorious, a great responsibility. Hope the city's system of Government Office around the overall situation, pay attention to implementation of work in the purpose, give full play to staff aides, integrated and coordinated implementation, supervision, service functions, close contact, strengthen coordination, collaboration, efforts for grass-roots leadership services, service, quality and level of services for the masses to push to a new level. 2003 annual summary meeting of the Office of the municipal government reports on innovation