团体保险展(修订).doc

探讨中小寿险公司团体业务发展的模式 团体保险业务发展的现状 寿险市场按监管要求和目标市场，划分为两类保险体系：个人保险（含个人代理、银行保险、电话直销等销售渠道）和团体保险（含直销、交叉销售、中介等渠道）。 团体保险针对团体销售养老保险、医疗保险意外伤害保险等产品。我国保险市场团体保险保费收入为亿，占寿险总保费的%。相对于寿险业发展的初期，团体保险业务占比呈逐年下降趋势曾经作为公司主要来源的团体保险业务，现在却处于高成本、低收益、增长乏力的发展困境中。制约团体保险业务发展的瓶颈及未来的增长点 pseudonym Ding Bingcheng), to Jiangsu and Zhejiang in Taihu Lake area opened work, towards armed, carried out guerrilla race. 4 people such as Ding Bingcheng took Zhang Yan, Zhou Fen, from Shanghai, Zhao Anmin troops stationed at the border of Jiangsu and Zhejiang. Ding Bingcheng reach dual-COR, and anti- established contact of Communist Party members, when the Kuomintang military Committee in Jiangsu, Zhejiang and Deputy Commander of the Brigade in Taihu Lake and Qian Kangmin, Director of the Department of the Commission (CPC) accompanied by consultations with Commander Zhao Anmin placement I was personnel related issues. Qian Kangmin efforts, Zhao Anmin also agreed to subordinate Gong Shengxiang Brigade guns to form a band in Taihu Lake. Qian Kangmin hired a boat to bring Gong Shengxiang, together with Zhang Yan start, boats to cross near the fan, was seized by Cheng Wanjun. After Cheng Buzheng Jin Lu Wang, Director of training helps releasing personnel, but the weapon lost. Is autumn, Ding Bingcheng Wujiang was ordered to open up again, its task is: towards reconstruction guerrillas, Communist-led team. Along with Liu Zirong (Liu), Zhang Yan (Liu), huada busy (Chen Zhengzhi), Yu Zhe (Zhou Fen), Ye Chu Xiao (Lu Qiusheng), Henry (nandeqin), anti- players. Flat looking men Shen Yuezhen as a guide. Shen Yuezhen Ding Bingcheng single leader, Shen Yuezhen specializing in intelligence work, in September, through Mao Xiaocen served as the KMTs County Clerk, Shen Yuezhen after entering the County, deftly juggling between elites, was Chang Shen Liqun, who appreciated, has created favorable conditions for gathering intelligence. Meanwhile, Shen Yuezhen introduce jindapeng (Kanewaka Wang), xiaoxin was joined the resistance, al