Why don't people in China like insurance and don't want to buy it?

First, the awareness of risk management is weak. China people's awareness of risk management lags far behind other developed countries, and they have no clear understanding of risks. I always thought that the risk would not happen to myself or my family. I always thought that what others said was just a story, but I didn't know what happened to me was an accident. I don't know enough about the role of insurance as a risk management tool, but I just think that people are selling only one product. ?

Second, good luck. When people recommend insurance, they always think they have a special purpose. I think this disease will only happen to others, not to myself. There is no correct understanding of the occurrence and management of risks. Risk management includes risk retention, risk avoidance and risk transfer. Insurance is an excellent tool to transfer risks and an effective means to reduce economic losses caused by risks. ?

Third, the impact on the development of insurance industry in China. When insurance was just emerging in China, the rough sales caused many people to misunderstand insurance, which made many people fear insurance and insurance salesmen, which led to insurance being a very unlucky thing in China people's minds. Insurance practitioners should correctly guide customers' cognition and understanding of insurance. ?

Fourth, compare insurance with other investment products. Many people always equate insurance with private equity funds, stocks, futures and foreign exchange. After comparison, they found that the investment income of insurance was so low that it was not cost-effective, so they did not buy it. This is that the different functions of different financial instruments are not fully understood, and different financial instruments play different roles. The attribute of insurance is to do risk management and risk protection. Although insurance also has the property of investment, it is not so strong. ?

Be your financial planner, pay attention to WeChat official account: Ink Shop, and learn practical insurance financial management knowledge. ?