印度的保险增长由高成本驱动,促使RBI推动可持续性改革。 India’s insurance growth driven by high costs, prompting RBI to push reforms for sustainability.

印度保险部门正在增长,但主要原因是分配方法昂贵,而不是效率提高,这引起了对长期可持续性的关注。 India’s insurance sector is growing, but mainly due to costly distribution methods rather than efficiency gains, raising long-term sustainability concerns. 虽然不存在直接风险,但不断上涨的收购成本——特别是在私营保险人之间——威胁利润率和承受能力。 While no immediate risks exist, rising acquisition costs—especially among private insurers—threaten profit margins and affordability. 公共保险公司显示出更好的成本控制,而数字化和产品多样化滞后。 Public insurers show better cost control, while digitisation and product diversification lag. 尽管保费增长和资产增加,保险渗透率相对于国内生产总值有所下降。 Despite premium growth and rising assets, insurance penetration has declined relative to GDP. RBI敦促改革,包括成本合理化、更好的中间奖励措施以及扩大数字分配,以确保一个更具包容性和更稳定的部门。 The RBI urges reforms, including cost rationalisation, better intermediary incentives, and expanded digital distribution to ensure a more inclusive and stable sector.