4月30日午间英语新闻：最新报告显示中国消费者对保险的需求正在上升

Demand for Insurance Is Rising in China, Report Finds

最新报告：中国消费者对保险的需求正在上升

Chinese consumers are increasing their annual spending on insurance premiums, with the country’s rising household wealth and aging population among the main growth drivers, a new report has found.

一份最新报告显示，中国消费者每年的保险费用支出正在增加，中国家庭财富的增加和老年人口逐渐增加是主要的驱动因素。

Half of Chinese households spent more than 8,000 yuan on insurance premiums in 2023, according to the study.

该研究报告显示，到2023年，半数中国家庭的保费支出将超过8000元。

Jointly produced by a research center at Tsinghua University’s PBC School of Finance and Yuanbao Insurance Broker, a Beijing-based online insurance platform, the report found that China’s wealthier families tended to spend more on insurance. Over 40% of high-income households said they planned to spend more than 20,000 yuan on insurance in the next year.

这份报告由清华大学中国人民银行金融学院研究中心（清华五道口金融学院）和北京一家在线保险平台元宝保险经纪联合发布，报告发现，中国富裕家庭往往在保险上花费更多。超过40%的高收入家庭表示，他们计划明年在保险上花费超过20000 元。

The increasing demand for insurance is mainly a result of China’s economic growth, with families wanting to protect their growing assets, as well as the country’s rapidly aging population, which is pushing up demand for private pensions and medical insurance, said Wei Chenyang, director of the China Insurance and Pension Research Center at Tsinghua University’s PBC School of Finance.

该研究中心主任魏晨阳表示，保险需求的增长主要是中国经济增长的结果，家庭希望自身不断增长的资产得到保障，中国人口走向老龄化，这些都推高了对私人养老金和医疗保险的需求。

The total value of China’s primary insurance premiums reached 5.12 trillion yuan in 2023, a year-over-year increase of 9.14%, according to data from the National Financial Regulatory Administration.

根据国家金融监管局的数据，2023年中国原保险保费总值将达到5.12万亿元，同比增长9.14%。

One of the fastest-growing market segments is online insurance, with consumers in all age groups becoming more likely to buy insurance online in 2023, the report found. Consumers with high incomes, high education levels, and homes in large cities were the most likely to purchase insurance online.

报告发现，在线保险是增长最快的细分市场之一，2023年各年龄段的消费者都更倾向于在线购买保险。高收入、高教育水平和家在大城市的消费者最有可能在网上购买保险。

This trend is likely to continue, with 82% of respondents saying that they planned to purchase insurance online in the future, compared with 76% who said they intended to make purchases via offline channels.

这一趋势很可能会持续下去，82%的受访者表示他们计划未来在网上购买保险，而76%的受访者表示他们打算通过线下渠道购买保险。

The most popular insurance product in China last year was critical illness insurance, held by 60% of respondents. Commercial medical insurance and basic health insurance policies were also among the most common product classes, held by 44% and 30% of respondents, respectively.

去年，中国最受欢迎的保险产品是重疾险，60%的受访者持有该保险。商业医疗保险和基本医疗保险也是最常见的产品类别，分别有44%和30%的受访者持有。

The report found that high-income middle-aged consumers were the most likely to invest in commercial pensions, but people in their 20s were the most likely to say they intended to take out a policy in the next one to two years.

报告发现，高收入的中年消费者最有可能投资商业养老，但20多岁的年轻人最有可能表示打算在未来一到两年内投保。

Changes in people’s family structures and lifestyles are also raising demand for previously niche products such as property insurance and pet insurance. According to the report, 27% of Chinese pet owners — mostly younger, female consumers — currently have pet insurance, and another 35% said they planned to take out a policy.

此外，家庭结构和生活方式的变化也提高了对财产保险和宠物保险等以往偏小众产品的需求。报告显示，27%的宠物饲养者（大多为年轻女性消费者）目前拥有宠物保险，另有35%的人表示计划投保。

1、premium

英/ˈpriːmiəm/
美/ˈpriːmiəm/
n.保险费；（正常价格或费用以外的）加付款，加价；很高的价值，额外价值；额外补贴，津贴；奖品，奖金
adj.高价的，高品质的

2、segment

英/ˈseɡmənt/
美/ˈseɡmənt/
n.部分，片段；（市场）细分的部分；（水果或花自然形成的）瓣，（昆虫的）节； 球缺，弓形；（直线或弧线上两点间的）段；（特定广播或电视节目的）时间段；某一时段单独播放的节目；音段
v.分割，划分；（细胞）分裂