Posts Tagged ‘china life insurance’

The Gradual Diversification Of China Insurance Market

October 14th, 2009 youhan

China People’s Insurance Company since 1956, Xinfeng, Taiping two insurance companies after the withdrawal from the domestic insurance market, has been the exclusive monopoly of the Chinese insurance market. After the resumption of domestic insurance business, China’s insurance market is still dominating the world by the Chinese People’s Insurance Company. China People’s Insurance Company a complete monopoly on the market, in the circumstances have played a positive role in promoting China’s insurance industry in the short term rapid recovery and development. With the rapid development of the socialist market economy with market economy rules run counter to the monopoly operating system, the inherent shortcomings of gradually exposed. Monopoly system stifled the development of the law of value in the role of insurance and deprive the insured person the right to choose the insurer, resulting in high insurance rates, insurance, marketing power of contraction. Therefore, the change in China People’s Insurance Company dominate the world’s insurance system has become an urgent need to address the problem at that time.

In February 1986, the PBC approved the establishment of “agriculture and animal husbandry in Xinjiang Production and Construction Corps Insurance Company”, specializes in the Xinjiang Production and Construction Corps of planting and breeding farms within two business insurance. In 1992, the company was renamed “Xinjiang Corps Insurance Company”, and a corresponding expansion of business scope. Xinjiang Production and Construction Corps, the establishment of agricultural insurance companies, breaking an exclusive monopoly of the Chinese People’s Insurance Company insurance market situation. In 1987, the People’s Bank of Communications approved [8.75 -0.46%] and its affiliates to establish Insurance Department. In May 1988, Ping An Insurance was established in Shenzhen, Shekou. In 1991, the People’s Bank of requested sub-sector insurance and banking operation, sub-sector management, and approval of the Bank of Communications, in its insurance division on the basis of the formation of China Pacific [15.64 2.76%] insurance companies, and became established after the Chinese People’s Insurance Company the second national comprehensive insurance. In September 1992, Ping An Insurance Company changed its name to “China’s Ping An [55.27 1.60%] insurance” has become the third nation-wide comprehensive insurance.

Since 1988, the PBC approved the Sichuan Province, Dalian, Shenyang, Changsha City and Xiamen City, the establishment of five joint-stock insurance company, began to explore the life and property insurance sub-sector ways of operating. After 1991, the PBC has successively approved in Zhuhai, Benxi, Xiangtan, Dandong, Guangzhou, Taiyuan, Tianjin, Fuzhou, Harbin, Nanjing, Kunming and other places the formation of joint stock life insurance company. In addition to the newly established life insurance companies to apply for business insurance, also accepted the local government commission, charge d’affaires of social insurance. China People’s Insurance Company of these life insurance companies are in possession of a certain stock.

In October 1994, the PBC approved the establishment of Shanghai Tian An [4.95 6.45%] Insurance Company. In January 1995, also approved the establishment of Volkswagen Insurance Co. Ltd. in Shanghai. In July 1996, the State Council approved the reorganization of the Chinese People’s Insurance Company of China People’s Insurance (Group) Company, consists of PICC Property Insurance Company Limited, PICC Life Insurance Company and PICC Reinsurance Company Limited, the implementation of production, life insurance separate operation. Under the “Insurance Law” established in the commercial insurance and social insurance, the principle of separation of operations, the State Council decided that 17 was fully integrated into the local life insurance companies PICC Life. To promote the healthy development of China’s insurance industry, October 7, 1998, the State Council approved “to withdraw the Chinese People’s Insurance (Group) Company to implement the program,” the original PICC Property Insurance Co., Ltd. changed its name to the Chinese People’s Insurance Company; the original PICC Life Insurance China Life Insurance Company Limited changed its name to [29.32 1.38%] insurance companies; the original PICC Reinsurance Company Limited was renamed as the China Reinsurance Company; to PICC Group’s other overseas operations of bodies are all assigned to Hong Kong, China Insurance (Holdings) Ltd. . In 1996, the People’s Bank has also approved the establishment of Xinhua Life Insurance Co., Ltd., Taikang Life Insurance Co., Ltd., Huatai Property Insurance Co., Ltd., Wing On Property Insurance Co., Ltd., Hua An Property Insurance Co., Ltd. joint-stock insurance companies and other 5 .

The reform and opening up, many foreign insurance companies interested in the Chinese insurance market, the huge development potential, hoping to enter China’s insurance market as soon as possible. Since 1980, foreign insurance companies have set up representative offices in China. As of the end of 1999, a total of 17 countries and regions, foreign insurance institutions set up 196 representative offices in China. In 1992, China began opening up the insurance market in Shanghai pilot. In September 1992, American International Assurance Co. Ltd. to set up branches in Shanghai approved to operate life insurance business and property insurance. AIA Shanghai branch of the introduction of life insurance agent system, marketing system, China’s insurance market had a huge impact, the activation of the potential for substantial life insurance market. In September 1994, Tokyo Marine and Fire Insurance Company is approved to set up branches in Shanghai, business and property insurance.

In 1999, there were 28 insurance companies. By investors points, four state-owned sole proprietorship, joint-stock insurance companies 9, four joint-venture insurance companies, foreign insurance companies, subsidiaries 11; by operating region, the national insurance company 8, the regional insurance companies 20 ; according to the nature of business hours, a comprehensive three insurance companies, financial insurance companies 12, 12 life insurance companies, reinsurance companies 1. Insurance market initially formed as the main state-owned commercial insurance companies, domestic and foreign insurance companies co-deposit, several insurance companies a new pattern of development of competition.

With the full recovery of the domestic insurance business, all insurance business achieved remarkable success. In 1980 premium income 460 million yuan, but by 1999 had grown to 139.32 billion yuan, an increase of 300 times, with an average annual growth rate of 35.08%. Insurance is also offered from the initial single property insurance, expanded to include property insurance, personal insurance, liability insurance, and hundreds of four main categories of credit risk insurance.

(A) property insurance

In 1979 to restore the domestic insurance business, first and foremost from the restoration of property and casualty insurance business began. From 1980 to 1995, the property insurance business in the domestic business accounted for an absolute advantage, 1980, 1981, the proportion of 100% in 1983 to 98.2% in 1985 to 82.3%. With the development of other insurance, property insurance to reduce the proportion of each year, by 1999 only 37.4%. In property insurance, business property insurance and transport, and third-party liability insurance is the main types of insurance. The beginning of the domestic business recovery, corporate property insurance premiums in the property insurance accounted for the majority, until 1987 was only means of transportation and third-party liability insurance to catch up, but so far business property insurance is still the major insurance of the domestic business 1. Transportation and third-party liability insurance for the development of fast, premium income in 1985, these two the proportion of the total premium income soared to 42.2% in 1987, jumped from the largest insurance for property insurance, and keep still.

(B) life insurance

In 1982, the Chinese People’s Insurance Company resumed opened personal insurance business, premium income that year was only 1.59 million yuan, accounting for 0.2% of total revenue premiums. By 1999, premium income of 87.21 billion yuan, accounting for 62.6% of total revenue premiums. Life insurance business to restore the initial stage, offered insurance mainly group personal accident insurance, easy life insurance, pension insurance, and later gradually extended to a variety of medical insurance, children’s education, insurance, wedding insurance, group life insurance.

(C) Agricultural Insurance

Agricultural insurance in 1982, began to recover on a trial basis, has developed very rapidly after the pilot, the pilot has gradually extended. Only when the pig insurance recovery on a trial basis, cotton, insurance, and several other insurance, but by 1999 had reached more than 100 insurance. As the agricultural insurance risk, underwriting technology complex, the payment rate, the world in general by the government to support it. Planting and breeding industry, insurance, two resumed on a trial basis since 1982, has been by the Chinese People’s Insurance Company to operate throughout the country. Xinjiang Production and Construction Corps in 1986 after the establishment of agricultural insurance, in the demarcation of the region have been running kinds, the raising of two insurance industry.

(D) Foreign insurance

Although the reform and opening up foreign insurance business, without interruption, but long-term hovering at a very low level. After 1980, with the continuous deepening of reform and opening up of foreign-related insurance business in the rapid development of insurance offered by more than 20 extended to more than 80, from the original scope of services extended to the introduction of technology import and export trade, joint venture projects, foreign contractors engineering, labor export, nuclear power plants, satellite launch, the international shipping and other fields. At present, China has the world’s insurance, more than 100 countries and regions, thousands of insurance companies established reinsurance business relationships.

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Domestic Insurance Business Closed

October 14th, 2009 youhan

(A) insurance business setbacks

Early ’50s, the Chinese People’s Insurance Company across agencies in the implementation of policies and specific practices and a lot of problems, mainly relying on administrative orders for the business, internal management is chaotic. Pilot experience in agricultural insurance in the case of a very immature comprehensive promotion, a number of grassroots cadres to carry out business and issue compulsory orders, adversely affect the masses. Insurance agency is developing too fast, and many cadres do not understand business, but only to the number of premium quality does not seek insurance contracts, a number of county-level companies make ends meet. In March 1953, the Chinese People’s Insurance Company Third National Insurance Working Conference and deviation of these errors were corrected to determine the “finishing city of business, suspended operations in rural areas, reshaping institutions, in the consolidation of steady progress on the basis of” principle.

To the end of 1953, closed around the basic agricultural insurance. On the closed agriculture and insurance, although most had no opinion, but some farmers do not want closed down and surrender of them have had some money or some understanding of the benefits of insurance. Because of the rural economy in most parts of the Northeast and Co-operative movement has developed rapidly vast majority of farmers do not agree to cease operation of agricultural insurance. Financial and Economic Committee for approval by the Government Administration Council, the Northeast region to re-apply for the insurance of farm animals. With the accelerated pace of agricultural co-operation, organized farmers produced a certain demand for agricultural insurance. However, with the socio-economic development of agricultural co-operatives from primary to senior community, livestock owned by the public and uniform use of the demand for insurance than the primary anti-social urgency.

Since 1953, the state compulsory insurance business in the city has made an adjustment: (1) closed state organs, the compulsory insurance of property and infrastructure sites compulsory insurance; (2) State-owned enterprises (including cooperatives) will continue to apply for compulsory insurance; (3) other businesses, according to whether the positive effect on production, the masses need and voluntary, they have unconditional and whether it meets the four principles of economic accounting, is divided into consolidation, contraction, closure of three types of clean up. As the advance of the socialist transformation of capitalist industry and commerce, urban voluntary insurance has declined markedly.

(B) The suspension of the domestic insurance business

In October 1958, Xi’an, China finance and trade conference pointed out: people’s communes, the insurance role of the work has disappeared, with the exception of foreign insurance business must continue to apply, the domestic insurance business should be immediately discontinued. In the same year in December, held in Wuhan, the official National Financial Conference to make “immediate closure of the domestic insurance business” decision. In January 1959, the Chinese People’s Insurance Company held its seventh national insurance work conference, and implement the spirit of the closure of the domestic insurance business, and the deployment of the aftermath clean-up. From 1959 onwards, the country’s domestic insurance business in addition to Shanghai, Harbin and other places continue to maintain for some time, but all the other places closed.

Suspension of domestic insurance business, industry and commerce in the cities and towns to complete the socialist transformation and the rural people’s communes hair situation to arise. Some people think that industry and commerce in cities and towns were basically the case of state-owned enterprises, the state can regulate the financial means to compensate for a variety of disaster losses, so the need for start-up city insurance is not. While in rural areas, people’s communes has changed in the past that a smaller scale, operating the project the status of a single agricultural cooperatives, their financial and material resources already have greater resilience and ability to compensate. Dominated by this understanding that the historical task of the insurance had been completed.

Upon closure of the domestic insurance business, the state agencies to consider from the streamline, but the Board consists of foreign operations in the People’s Bank Insurance Department, responsible for handling import and export of the central and insurance business in Beijing, leading domestic and foreign branches of business and engaging in, centralized processing the international reinsurance business and external activities in the outside business with the “Chinese People’s Insurance Company”, “China’s insurance companies” and “Tai Ping Insurance Company,” the name of the three companies.

In 1959, some cities in the domestic insurance business is not completely closed, including Shanghai, Harbin, Guangzhou, Tianjin and other places. In 1964, with the overall improvement in the national economy, the People’s Bank Business Bureau Insurance Service upgraded the foreign bureau a unit of foreign insurance companies are still using the name of the Chinese people by the part-time general manager, vice president of the People’s Bank.

From 1966 to 1976 ten years of chaos during the period, China’s domestic insurance business completely closed. In the “Left” thinking under the influence of the insurance is considered “private market economy,” “not suited China’s socialist economic base,” “handle an international reinsurance business more harm than good”, “is to rely on imperialism,” “re-insurance is Emperor repair redistribution of profits among the anti-”and so on, so it was suggested to be” thoroughly smash China’s insurance industry “, not only closed the domestic insurance business, but also suspended all foreign-related insurance and international reinsurance business. Clear bear the brunt of the 1969 Ministry of Communications in January closed a ocean-going vessels, insurance, overseas business has been greatly affected. And then discontinued the motor vehicle third party liability insurance. 1968, before the overseas business people from Hong Kong to an insurance company, China Insurance, Pacific Insurance Company distributed to the Chinese People’s Insurance Company, and then by the Chinese People’s Insurance Company’s external reinsurance unity. However, in 1969, the overseas business of foreign reinsurance by CAS Insurance agents, life insurance companies reinsure from China, Hong Kong, Macao, Singapore and other countries and regions into the insurance business under the management of the Hong Kong branch of China Insurance Company. By 1969, China has re-insurance relationship with the countries from the original 32 dropped to 17, have business dealings of the company from 67 down to 20, only with the socialist countries and the relationship between individual developing countries to maintain reinsurance. Actually stopped the years of development together with the West of the insurance market reinsurance transactions.

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Transform Of Old China And The Birth of life insurance industry

October 14th, 2009 youhan

       early days after liberation, people’s government to take over parts of the bureaucratic capital of the insurance companies, while rectifying transformation of private insurance companies for the new Chinese insurance industry created the conditions for the birth and development. The establishment of the Chinese People’s Insurance Company, marking China’s insurance industry has entered a new historical period of development.

(A) transform the old China’s insurance industry

To establish a new meet the needs of socialist construction, the insurance industry, in 1949 China’s insurance industry in old people’s government conducted a comprehensive clean-up, consolidation and transformation.

1 to take over the bureaucratic capital of insurance companies. Since the liberation of the eve of the bureaucratic capital of the insurance sector are concentrated in Shanghai, People’s Government to take over the work of the bureaucratic capital of insurance institutions in order to focus on Shanghai. Take over the work from May 1949 until the end of October has basically ended. Chinese insurance companies and exclusive products ship insurance, accident insurance, the crew of China Airlines accident liability insurance joint approval to resume operation, other bureaucratic capital of insurance institutions to be closed down. Shanghai outside of the bureaucratic capital of insurance institutions taken over by the local military control committee. At that time the bureaucratic capital of insurance institutions, due to the transfer of funds and responsible persons for corruption and misappropriation, assets have been depleted exhausted. Of its employees by the Military Control Commission of organizational learning politics, many people after the establishment of the Chinese People’s Insurance Company embarked on a people’s insurance industry new jobs.

2, transformation of the private insurance industry. After the liberation, the development of private insurance companies around the succession management practices, such as re-checked assets, required by business type deposited the corresponding bond and so on, and strengthen supervision and inspection. Under the new regulations, foreign private insurance companies to resume business in various places, but most insurance companies solvency weak underwriting capabilities are limited.

As the original reinsurance group most of the disintegration of the relationship between the external interruption of reinsurance, in the Military Control Commission’s support, July 20, 1949 in Shanghai, was established by the voluntary participation of private insurance companies reinsurance organization “China invited reinsurance exchange office “(referred to as NLD), the main fire handling reinsurance business. The establishment of the NLD, the promotion of the private Chinese merchants insurance business development, enhancing the credibility of the insurance industry. Public-private partnerships with the private insurance companies, the NLD completed its historic mission in early 1952.

In 1951 and 1952, public-private partnership, “Taiping Insurance Company”, “Xinfeng insurance company” were set up. Both companies are based on the number of private insurance companies formed, and its business scope is limited to specific areas and industry, operating on the abolition of the commission system and the agent system. In 1956, the national private commerce and industry after industry-wide public-private partnerships, the state property of public-private partnerships to implement compulsory insurance, designated the property for the processing of the Chinese People’s Insurance Company for compulsory insurance of statutory bodies. That same year, Pacific, and Xinfeng the two companies merged called “Pacific Insurance Company,” is no longer operating domestic insurance business, and specializes in overseas insurance. The merger of the two companies achieved the insurance industry-wide public-private partnership, marking the completion of the socialist transformation of the insurance industry. Since then, China’s domestic insurance business started by the Chinese People’s Insurance Company exclusive situation.

3, foreign insurance companies out of China’s insurance market. Before 1949, foreign insurance companies by virtue of their political privileges, as well as its strong financial strength, control of China’s insurance market. After the founding of New China, People’s abolition of their privileges, and to strengthen supervision, requiring re-registration and pay the deposit. In May 1950, the National there are 61 foreign insurance companies, of which 37 Shanghai, Tianjin 10, Guangzhou, 8, 5, Qingdao, Chongqing 1. Governments to adopt restrictive policies and the use of equal emphasis on the one hand, to allow their business to continue to handle a number of other insurance companies were not allowed to operate the business, such as marine insurance, foreign nationals foreign exchange and insurance; the other hand, proceeding from safeguarding the national interests, its business the scope and made the necessary restrictions on business activities, its violation of national laws and acts of insubordination be dealt with severely. With the rapid growth of state-owned insurance business and foreign insurance companies to lose not only rely on the Government to obtain the privileges of high profits, and have lost a great number of reinsurance income. In the state-owned foreign trade system and the new customs building, its source of direct business less and less. 1949 premium income of foreign insurance companies account for 62% of premium income in 1950 dropped to 9.8% in 1951 to 0.4% in 1952 was only 0.1%. To the end of 1952, foreign insurance companies in China one after another application for suspension of business, the withdrawal of China’s insurance market.

(B) the birth of the Chinese People’s Insurance Company

In August 1949, as soon as possible to restore and develop the national economy destroyed by years of war, the Central People’s Government in Shanghai held its first national financial conference. At the meeting, Bank of China proposed the establishment of “China People’s Insurance Company”, and immediately after the organizational preparations. Approved by the CPC Central Committee, the Chinese People’s Insurance Company on October 20, 1949 formally established. This is the founding of New China’s first state-owned insurance companies. After the founding of the Chinese People’s Insurance Company quickly established branches throughout the country and to parts of the People’s Bank relies on to build a broad network of insurance agents.

In line with the national economic recovery and development, the Chinese People’s Insurance Company to actively conduct business, focusing on state-owned enterprises undertaken above the county supply and marketing cooperatives and state organs, property and railways, ships, aircraft and passengers compulsory insurance. In the city, opened fire, transportation insurance, group and individual life insurance, car insurance, passenger accident insurance, parcel insurance, aviation and transport insurance, gold note insurance, shipping insurance and so on. In the Village, an active pilot agricultural insurance, mainly livestock insurance, cotton, insurance and fisheries insurance. To get rid of Western countries to control China’s insurance market, the Chinese People’s Insurance Company is also committed to the development of foreign business, and many friendly countries have established reinsurance relationships. In addition to handling direct business, but also private companies to accept reinsurance business. China People’s Insurance Company quickly become a national leader in the insurance industry and the power to fundamentally end the monopoly of China’s insurance market to foreign insurance companies situation.

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History Of China’s Insurance

October 14th, 2009 youhan

Refers to China from the Qing Dynasty before the Opium War, to The People’s Republic of China before the establishment of the insurance industry.
China’s modern form of insurance industry in the Western capitalism that emerged after the invasion of China. The first foreign insurance companies established in China, is before the Opium War in 1835 by the British set up in Guangzhou ocean Hirohito security line. Later, Guangzhou, Shanghai and other treaty ports also start to appear and a number of foreign insurance companies. These companies mainly engaged in the commodity distribution services, marine insurance, 19 century, 60 years later, was extended to the fire. Sino-Japanese War, along with the export of capital to China, the United States, France, Germany, Japan, China and other countries insurance companies have set up a company or agency. 1936, 15 countries, more than 160 registered insurance companies operating in China.
China’s own business insurer in order to Guangxu eleven years (1885) Merchants Steam Navigation Company founded by Ren-Ji and the two insurance companies with the earliest. In 1886 the two companies merged to Yan Chai and insurance companies, became the first Chinese business insurance industry.
During World War I, the West engaged in a war of imperialism, China’s national industry and commerce to obtain an opportunity to develop the insurance industry has seen rapid development. In addition to an insurance company this time, there are some large commercial companies concurrently insurance industry. If Sincere 1915 and 1922, the company has facilities in Shanghai and the establishment of the first insurance companies and buy products Sincere Life Insurance Company, and to set up branches in Guangzhou; Wing in 1916 set up water and fire insurance companies in Hong Kong, and subsequently in Shanghai , Hankou, Guangzhou expansion. Control over these companies through the insurance industry and commerce, and to absorb a wide range of social capital.
After 1926, China’s insurance company mainly invested by the bank to open. These companies rely on the strength of banks to establish branches throughout the country, company or agent by the bank. To 1936, Chinese business insurance has reached 40, though developing rapidly, but the business can not get rid of foreign companies on the control and domination, had to a large number of insurance business through reinsurance, be transferred to foreign companies or foreign insurance companies. Premium income in 1936 nationwide, an estimated 80% of foreign companies.
During and after the victory of Anti-Japanese War, because of the hyperinflation, so that insurance companies to take advantage of the insurance fund hoarding goods and materials, as well as real estate, gold and silver currency speculation, the insurance industry to leave the track.
After the founding of the People’s Republic in 1949, People’s Government to rectify and reform the insurance industry: In addition to take over the bureaucratic capital of insurance companies, private insurance companies on a voluntary basis, to be merged, and in October 1949 setting up the China People’s Insurance Company. Foreign insurance company to withdraw from China at the end of 1952. In recent years, China’s GDP growth has been maintained at about 10% in 2007 GDP growth is expected to continue to remain at around 10%, comprehensively promote the building of a harmonious socialist society, economic and financial situation of steady development, capital market development has entered a new era, the State Council No. 23 The paper further implemented, these favorable conditions for the development of the insurance industry is extremely rare development environment and opportunities.
With the full liberalization of trade, foreign life insurance companies have moved into the domestic market. Can not currently pose a threat to the domestic several big giants, but the competition will become increasingly fierce. In order to catch up with old Chinese-funded insurance companies nationwide marketing network, foreign-funded insurance (including joint ventures) Company in 2007, will be the rapid expansion of its network. This rivalry, will also be in product innovation, service upgrades, the use of such funds has shown most vividly. In contrast, in 2007 the Chinese-funded insurance companies is the key to years of hard face a challenge. To broaden the financing channels for internal preparations for listing, to meet the accession to the WTO five years after the external foreign insurance experience and technology challenges.
Currently there are insurance professional intermediaries 2110, and industry, agencies 141,000, insurance marketers 1.558 million people in 2006 realized investment gains and 95.53 billion yuan, the highest level in nearly three years. Nationwide Insurance through insurance intermediaries to achieve premium income of 447.75 billion yuan, accounting for the total premium income accounting for 79%. With the arrival of the demographic dividend period, the reform of public pension system, giving birth to the golden period of development of commercial life; the stock market bullish expectations, investment channels for insurance assets increasingly turn release significant expansion of opportunities for development.
With the 2008 Olympic Games approaching, China’s insurance market with potential for further increases, the insurance industry are bright prospects for future development. With economic development, the State, enterprises and the growing wealth of households, the community of property insurance demand will grow increasingly stronger. In particular, as the pace car to enter households gradually accelerate as the first major property and casualty insurance, auto insurance is no doubt a good development prospects for the development of the property and casualty insurance, “insurance.” Life insurance business is an important component of China’s insurance business, with the advance of China’s urbanization process, residents raise the level of per capita income and insurance awareness to enhance the purchase of commercial life insurance and the amount of the number of personnel will be substantial growth and longevity insurance, health insurance and accident insurance market, the prospects are very broad. 2010, the National Insurance revenues will double in 2005, exceeded 1 trillion yuan, insurance, depth (GDP, the proportion of premium income) 4%, insurance density (premiums per capita income) 750 yuan, to consider to the market the main increase in breakthrough product innovation and policy factors such as total managed assets of the insurance industry is expected to reach more than 5 trillion yuan.
The research consultancy report is based on National Bureau of Statistics, the State Council Development Research Center, China’s socio-economic Survey Research Center, China Insurance Association, the China Insurance Regulatory Commission, provincial insurance regulatory, economic climate monitoring center to provide a lot of information on China’s Insurance development of the market conditions and supply and demand conditions, insurance, competition pattern, development trends are analyzed, the insurance industry investment in areas such as in-depth discussions; but also on the China Life Insurance (Group) Company, PICC Property and Casualty Company Limited, China Ping An insurance company, American International Assurance Co., Ltd., enterprise development overview, development strategy

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