Investigation and analysis of insurance consciousness of Beijingers in China ⅰ. The present situation of insurance consciousness in China

The above limerick illustrates the present situation and prejudice of insurance consciousness in China. From its origin, insurance is to share risks and is an important risk management method. Although people's insurance awareness is influenced by many factors such as culture and economy, the most important thing is people's risk awareness. China is in an era of rapid development, which inevitably means more risk factors. Especially in the reform of free medical care system, urban residents generally show great concern about the problems that may increase the family economic burden and the medical expenses can not be guaranteed after the reform. In particular, the rising expenditure on children's education, unemployment protection, old-age care and long-term care has fully aroused the public's awareness of insurance. In fact, on the one hand, people's risk awareness and insurance awareness are constantly increasing. On the other hand, with the further development of social and economic level and the acceleration of people's wealth accumulation, as well as the downward adjustment of bank interest rates, the owners of idle currency and bank deposits pay more and more attention to the appreciation of wealth. Therefore, people are more interested in a new financial product that can guarantee, save and invest, and effectively prevent inflation erosion. However, in reality, people tend to spread risks by saving, buying and selling treasury bonds, buying and selling foreign exchange treasures and investing in securities. In other words, the awareness of insurance in infancy is often transformed into the demand for other financial products in the process of growth, rather than the demand for insurance. This tells us that in today's continuous innovation of financial market products, in order to transform insurance consciousness into insurance demand, the insurance industry must participate in the competition of the whole financial market in order to occupy a larger market share. Moreover, compared with short-term financial instruments such as funds and certificates of deposit provided by banks, investment companies and other financial institutions in the money market, life insurance products are based on after-tax, and the expenses of insurance contracts are reasonable, so they should be more competitive in risk protection and investment. Relevant experts pointed out that it is an objective fact that the public's awareness of insurance is not strong, which has its profound historical and cultural roots and special economic and social background, but this is only one aspect of the problem. On the contrary, the insurance industry, as an important industry of social risk management, also has an unshirkable responsibility for the current situation of public insurance awareness. Simple complaints often ignore their obligations in raising public awareness of insurance.

Public awareness of insurance is not innate, but the result of acquired education and training. The two catastrophes this year have achieved the effect of public self-education to a certain extent, but it can only be a good opportunity for the insurance industry to take the initiative to undertake the function of national insurance education, strengthen public risk awareness, popularize disaster response knowledge and actively guide risk prevention measures. If we always rely on the public's self-education, its effect can only be short-term and often unrealistic.

(1) Current insurance market

Today's insurance market is in the third stage: the rapid development stage from 65438 to 0992. The People's Bank of China 1992 approved the establishment of AIA Shanghai Branch, the first foreign-funded insurance company. This is by far the most important stage in the development of China's insurance market, which is obviously different from the previous two stages. Mainly manifested in: the number of market players is increasing, and a diversified market pattern is initially formed; The insurance industry realizes the separation of production and life, the premium income structure changes, and the share of personal insurance exceeds that of property insurance; The types of insurance have increased rapidly and insurance services have improved; The organizational system and legal system of insurance supervision have been gradually established, and a new pattern of oligopoly market competition with state-owned insurance companies as the mainstay, Chinese and foreign insurance companies coexisting and multiple insurance companies competing has initially formed in China.

(2) the origin of insurance consciousness

From its origin, insurance is to share risks and is an important risk management method. Although people's insurance awareness is influenced by many factors such as culture and economy, the most important thing is people's risk awareness. China is in an era of rapid development, which inevitably means more risk factors. Especially in the reform of free medical care system, urban residents generally show great concern about the problems that may increase the family economic burden and the medical expenses can not be guaranteed after the reform. In particular, the rising expenditure on children's education, unemployment protection, old-age care and long-term care has fully aroused the public's awareness of insurance.