黑龙江人寿保险市场有比较大的发展潜力，但仍落后于经济发达的南方地区。
目前黑龙江保险市场存在人寿保险险种单一、管理不规范、回报率低、法规不完备、保险经济发展薄弱和黑龙江省内保险市场先天能力不足等问题。针对这些问题，我们应该做好契约保全工作、加强理赔风险管理、提高理赔人员的素质；在法规方面要加大司法检查和监督的力度；从保险公司方面，要加强资产负债管理、完善自身的偿付能力并增强机遇意识加快业务的发展，同时还要发展银行保险等增值服务。
关键词：人寿保险；市场；对策
Abstract
Heilongjiang life insurance market is relatively large development potential, but still lags behind the developed economies of the South region. Heilongjiang current insurance market presence of a single life insurance categories, management irregularities, the low return rate, and inadequate, insurance economic development inherent weakness and lack of capacity in Heilongjiang Province insurance market issues. In light of these problems, we should work to preserve a compact, strengthening settlement risk management, improving the quality of personnel adjustments; In legislation to increase the judicial inspection and supervision; From insurance companies, to strengthen the assets and liabilities management, improve their solvency and enhance awareness of the business opportunities, At the same time we will develop value-added services such as banking insurance.
Keywords：Life insurance；Market； Response
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