英国论文:银行业金融保险 [13]
论文作者:英语论文论文属性:作业 Assignment登出时间:2014-09-15编辑:zcm84984点击率:14439
论文字数:5253论文编号:org201409082137126901语种:中文 Chinese地区:英国价格:免费论文
关键词:国有商业银行银行业金融保险印度银行业印度金融分析
摘要:本文是留学生银行保险业论文,银行开创金融保险业最早出现在十八世纪,一八零六年六月印度国家银行应运而生,它是现存的最古老的印度银行,印度国家银行是归政府所有的银行,同时也是全国最大的商业银行。
return. Therefore, they do not prefer lower return policy. Unemployment also affects insurance industry, because the unemployment people will not have earning, so saving also affect to life insurance sector Life insurance industry will directly affected by Earthquake, Monsoon, and Natural calamity. Because of these events turns into lots of death, so the life insurance companies have to pay claim against policy. Infant mortality rate and maternity mortality rate are also affecting to life insurance. Typical Indian want luxurious product against low income, so that they prefer installment or annuity (EMI), so that they may not have extra saving to invest in life insurance.
Increased Economical Activity:
Although economic activity has slowed down since 1996, sooner or later there will be an upswing. The increase in the growth rate in various sectors accompanied by the growth in trade in the context of fulfilling of commitments to the WTO will signal a growth in the demand for insurance covers of new types. For example, aviation insurance cover will be on an increasing scale in view of the need for more frequent
Air travel for men and for transporting materials. This would necessitate substantial property, liability and personal insurance. As far as cover against business interruption is concerned, the pace of business and of change today is so fast that even the most careful assessment of exposure time, and the most liberal coverage cannot protect the insured adequate in the event of a loss be on the increase and insurance companies cannot afford to ignore the vast potential in this business.
SOCIAL FACTORS
INSURANCE INDUSTRY:
The basic social factors that affect the life insurance sector are as under: -
Population
Life style
Educational level
Level of earning
Societal benefits These are the major social factors, which affect the life insurance sector.
We will discuss all of them in brief
Population:
Growth in the population is a major factor pushing up the demand. It is also going to exert a special influence on the life insurance market in other ways. Apart from exerting pressure on demand for goods and services, and through that, ill effects of uncontrolled growth of population also could spur the growth of demand. For example, overcrowding in public places of entertainment, public support, or too many vehicles on the road can result in hazards like stampedes and pollution, which require covers and still are not sold on a large scale today. Thus the positive as well as the negative aspects of population growth are going to spur demand.
Life style:
The peculiar lifestyle of a country or an age also influences the insurance business. Change therein produces different demands for life insurance. For e.g. All over the world, family size is shrinking and the fact that in decades to come, both presents are more frequently likely to work outside the home will mean that there could be a greater possibility of property loss. Similarly, a larger number of vehicles
TECNOLOGICAL
Internet as an intermediary in the current Indian market customer is not aware about the intrinsic value of insurance. He thinks of insurance only in the mount of March as a tax saving measure.
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