（二）近期保险行业发展环境分析
（Ⅱ）Analysis on the Recent Development Environment of Insurance Industry

2015年元月，在国寿、平安等行业龙头公司的带动下，寿险行业开门红表现不俗。根据保监会公布的数据显示，寿险市场整体原保费收入同比增长20%，连续两年实现开门红。
Driven by such industrial leaders as China Life and Ping An, the life insurance industry scored remarkable achievements in January 2015, securing a good start. According to the data released by the CIRC, the original premium income of life insurance market as a whole registered a YOY increase of 20%, ensuring a good start for two consecutive years.

“外部利好+内部预热”是实现开门红背后的主要驱动因素：
“External boon and internal warm-up” are the main driving forces behind the good start.

从外部宏观环境来看，一方面，保险业新“国十条”以及国务院关于加快发展商业健康保险的意见等政策陆续发布，开拓了保险业的服务领域；另一方面，目前市场利率已经进入下行通道，缩小了保险产品与其他理财产品的收益差距，提升了吸引力，对保险业的发展形成利好。
Judging from the external macro environment, on the one hand, the successive release of the Ten New Measures for the insurance industry and the opinions of the State Council for accelerating the development of commercial health insurance has expanded the service scope of the industry sector; on the other, the current market interest rate has entered into a downward channel, shortened the profit gap between insurance products and other financial products, and made the products more attractive, which serves as a boon for the development of the insurance industry.

从行业自身情况来看，绝大部分保险公司在去年11月就完成了全年业务指标，因此预留了超出一个月时间为“开门红”做准备，一些公司在2014年底“双12”时推出了类似“专供”形式的产品，首先试探了市场反应，以此作为制定“开门红”推广方案的参考，这是今年实现“开门红”的重要原因之一。另一方面，营销员增员准备充分，也是今年“开门红”成绩亮眼的主要原因。自去年10月份开始，大部分寿险公司已经开始招募新人培训，经过数轮培训后，这批新人都有了比较系统的保险展业本领，同时又拓展了一批新客户，因此两个多月的蓄客量在元旦到来时同时释放，导致保费激增。
When it comes to the industrial landscape, most of the insurance companies achieved their year-round operational indicators in November last year, so they reserved more than one month to gear up for the “good start”. Some companies rolled out products similar to “exclusive supply” on December 12, which initially explored market reaction and served as the reference for developing the “good start” outreach programmes. This is one of the important reasons behind this year’s “good start”. On top of that, the insurance companies have been well-prepared for increasing new sales members, another major cause for the exciting performance. Since October 2014, most of the life insurance companies have started recruiting and training new staff members who have been equipped with systematic skills in insurance practice after rounds of training. A host of new clients have also been expanded. Therefore, customers accumulated in more than two months were released simultaneously as the New Year approached, contributing to a surge in insurance premium.