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为什么中国年轻富豪不买保险

为什么中国年轻富豪不买保险

为什么中国年轻富豪不买保险

　　近日，一份对812名内地富豪进行的调查显示，仅有半数年轻富豪购买了寿险。常理来看，有钱人不差钱且保障意识强，但为何连他们都不愿意买保险？中国的保险行业是出了什么问题吗？

　　A recent survey shows that only half of 812 young rich Chineserespondents in the Chinese mainland have bought life insurance.It’s against the common belief that rich people have strongersecurity awareness. Why don’t they want to buy insurance? Is therea problem in Chinese insurance industry?

　　这项调查的结果是中国社会保险情况的一个缩影。事实上，外国人对于自己的保障意识非常强。比如国外考虑的是买几份、该买什么保险的问题，而在国内某些地区，竟然还存在买不买保险的问题。有数据显示，日本人均保单在5张以上，欧美一些发达国家的人均保单甚至超过10张。而在中国，人均拥有保单只有0.6份。

　　The result is a reflection showing Chinese people’sunwillingness to buy insurance as a whole. There are two quotasshowing the situation of people buying insurance in a country orregion. One is the density of insurance, which is the averagepremium volume per person. The other is the insurance depth, whichis the percentage of premium income in Gross Domestic Product(GDP)。

　　According to the 2014 World Insurance Report issued by SwissRe-insurance Company, the two figures of the Chinese mainland arequite low, compared to world average level, let alone developedcountries。

　　究竟是什么原因让中国人对保险望而却步呢？

　　Why do Chinese people dislike insurance?

　　首先，中国人受到传统观念影响，习惯存钱，“遇事找朋友”，而不是在事情未发生前先交钱。

　　The first reason is the influence by traditional habits.Chinese people do have risk awareness, but we get used to relyingon relatives or friends to deal with risks。

　　同时，公众对保险存在不信任。保险公司的声誉是购买者十分看重的。

　　Also, there’s a lack of trust in insurance industry A reportissued bySwiss Re-insurance Company in 2011 showed that over 2/3Chinese respondents had plans to buy insurances in the future 12months, but many hesitated to buy. The report also pointed out“reputation of insurance company” was the primary factor thatinfluenced Chinese people from buying insurance。

　　第三，保险销售人员传销式的手段以及过频的推销也造成了人们的反感。

　　Bad sales skills of insurance salesmen destroy destroy thetrust of customers. Some never stop bugging you. Some cheat whenpromoting。

　　同时，保险行业的服务水平仍然比较低。很多消费者反映“保费高，服务差，赔款慢”，这让民众对保险行业的信心大大减少。

　　Last but not least, bad insurance products lead to thecustomers’ disappointment. Some insurance has low insurance oddsbut high premium. Meanwhile, it’s reported that people find itdifficult to get compensation An internet survey from China YouthDaily also showed Chinese people are very dissatisfied by insurancecompensation service. Nearly 90% respondents thought thecompensation service was bad and slow。

本文选自ddfffff_63244的博客，点击查看原文。