我國保險行業市場調查報告(pdf 72)(英文版)

我國保險行業市場調查報告內容簡介：
Executive summary
In order to better understand the China insurance market, CSFB undertook a statisticaland proprietary survey in ten cities in China. In our survey, we contacted 28,117 residentsand conducted effective interviews with 2,300 respondents. The objective of this researchis to identify key market drivers and draw investment inferences by understanding Chinaconsumers usage and attitudes towards insurance. The research includes: 1) penetrationof life insurance, 2) attitudes towards insurance and pensions, 3) motivation, products,companies, channels, satisfaction of current holders, intenders and rejectors,3) penetration of car insurance, products, companies, channels, satisfaction of carowners, 4) brand awareness and usage, and 5)respondents profiles, etc.
Key findings from the survey
The survey contains a rich vein of data andourinterpretation is based on experiencedlocal researchers, the input of local industry professionals and our judgement.
The household penetration rate reached 49% in the ten cities surveyed. Some 17% ofrespondents intend to buy insurance in the next year, while 11% and 89% of themindicated that they would definitely buy and might buy, respectively, representing 1.87%and 15.13% of total respondents. Some 34% of respondents rejected the notion of
buying in the next year.
Chinese consumers’ attitudes towards insurance are quite positive, with the majorityagreeing that ‘purchasing insurance is a trend of social development’ (83%) and that it‘reduces family and individual risk’ (73-75%).
To prepare for retirement, consumers tend to rely heavily on government/employerpensions (72%), supplemented by savings, commercial insurance and assets. To preparefor their children’s education, most Chinese (62%) would like to deposit money into banks.As to the type of investment product, most respondents are risk-averse and preferprincipal-guaranteed products with some potential for higher returns.
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