近日，一份對812名內地富豪進行的調查顯示，僅有半數年輕富豪購買了壽險。常理來看，有錢人不差錢且保障意識強，但為何連他們都不願意買保險？中國的保險行業是出了什麼問題嗎？
A recent survey shows that only half of 812 young rich Chinese respondents in the Chinese mainland have bought life insurance. It’s against the common belief that rich people have stronger security awareness. Why don’t they want to buy insurance? Is there a problem in Chinese insurance industry?
這項調查的結果是中國社會保險情況的一個縮影。事實上，外國人對於自己的保障意識非常強。比如國外考慮的是買幾份、該買什麼保險的問題，而在國內某些地區，竟然還存在買不買保險的問題。有數據顯示，日本人均保單在5張以上，歐美一些發達國家的人均保單甚至超過10張。而在中國，人均擁有保單只有0.6份。
The result is a reflection showing Chinese people’s unwillingness to buy insurance as a whole. There are two quotas showing the situation of people buying insurance in a country or region. One is the density of insurance, which is the average premium volume per person. The other is the insurance depth, which is the percentage of premium income in Gross Domestic Product (GDP).
According to the 2014 World Insurance Report issued by Swiss Re-insurance Company, the two figures of the Chinese mainland are quite low, compared to world average level, let alone developed countries.
究竟是什麼原因讓中國人對保險望而卻步呢？
Why do Chinese people dislike insurance?
首先，中國人受到傳統觀念影響，習慣存錢，“遇事找朋友”，而不是在事情未發生前先交錢。
The first reason is the influence by traditional habits. Chinese people do have risk awareness, but we get used to relying on relatives or friends to deal with risks.
同時，公眾對保險存在不信任。保險公司的聲譽是購買者十分看重的。
Also, there’s a lack of trust in insurance industry A report issued bySwiss Re-insurance Company in 2011 showed that over 2/3 Chinese respondents had plans to buy insurances in the future 12 months, but many hesitated to buy. The report also pointed out “reputation of insurance company” was the primary factor that influenced Chinese people from buying insurance.
第三，保險銷售人員傳銷式的手段以及過頻的推銷也造成了人們的反感。
Bad sales skills of insurance salesmen destroy destroy the trust of customers. Some never stop bugging you. Some cheat when promoting.
同時，保險行業的服務水平仍然比較低。很多消費者反映“保費高，服務差，賠款慢”，這讓民眾對保險行業的信心大大減少。
Last but not least, bad insurance products lead to the customers’ disappointment. Some insurance has low insurance odds but high premium. Meanwhile, it’s reported that people find it difficult to get compensation An internet survey from China Youth Daily also showed Chinese people are very dissatisfied by insurance compensation service. Nearly 90% respondents thought the compensation service was bad and slow.
本文來源 搜狐教育
