글로벌 보험회사들의 국내 보험시장 점유율 증가와 보험산업의 경쟁심화로 국내 보험시장은 거의 포화상태에 이르렀다. 이러한 어려움을 극복하기 위해 우리나라 보험회사들은 대내적으로 고객의 수요에 부응하여 다양한 상품을 개발하고 효율적인 경영전략을 수립하는 한편 대외적으로는 해외시장 개척 및 진출을 위해 노력해야 할 것이다.
인도는 보험시장이 빠른 속도로 성장하고 있는 국가들 중 하나로 향후 보험산업의 발전가능성 역시 매우 크다고 할 수 있다. 현재 한국과 인도는 한·인도 포괄적 경제동반자 협정(CEPA)의 체결로 우리나라의 대인도 수출규모가 증가 추세에 있으며, 이에 따라 국내 제조업체의 인도 진출도 증가할 것으로 예상된다. 따라서 한국 보험회사는 인도 보험시장의 성장가능성을 고려하는 동시에 인도시장에 진출한 우리나라 기업고객들에게 다양한 보험서비스를 제공한다는 측면에서 인도 보험시장 진출을 적극 고려해 볼 필요가 있다.
우리나라 보험회사가 인도 보험시장에 효과적으로 진출하기 위해서는 단계적인 전략수립이 필요할 것으로 보인다. 즉 인도는 외국인 지분소유를 26%로 제한하고 있으므로 초기에는 사무소 형태로 진출하되 제반 여건이 성숙된 후 합작형태로 전환하는 것이 효과적일 것으로 판단된다. 또한 인도 진출에 있어서 필수적인 요소로 현지화 경영전략을 들 수 있다. 인도는 광활한 영토와 다양한 언어를 사용하고 있으므로 양질의 현지 인력을 채용․유지할 수 있는 방안이 강구되어야 한다. 마지막으로 인도는 빈곤층이 2/3 이상을 차지하고 있다는 사실을 염두에 두고 이들의 니즈(needs)에 부합하는 특화상품을 개발․판매할 필요가 있다.
Both the increase of the global insurers' market share and the severe competition in the Korean insurance market make the domestic insurance market reach close to its saturation. To overcome difficulties, Korean insurers try to develop various plans which meet customer's needs and to establish efficient management strategies. In addition, they should also prepare to enter the overseas market. India, which has been growing rapidly in the world insurance market, is one of the regions that have a lot of potential with regard to the insurance industry. Thanks to the Korea-India CEPA agreement, export volumes form Korea to India have increased significantly, and the number of manufacturers that want to do business in India is expected to raise. So, Korean insurers prepare to provide insurance services for the manufacturers who are going to enter India. In order to enter the Indian insurance market, Korean insurers need to set up a multi-staged strategy. Because the equity holding limit for foreign insurance companies is 26% in India, the overseas office is more effective to enter the Indian insurance market in the early stage. After satisfying some necessary conditions, the overseas office may change into the joint venture. Localized management strategies are also essential for Korean insurers. Since India has both a large territory and various languages, high qualities of the local labors are inevitable. Hence, it is important to hire and manage these high quality labors. Lastly, because more than 2/3 of population are in poor in India, Korean insurers should prepare to make and sell niche products.
Both the increase of the global insurers' market share and the severe competition in the Korean insurance market make the domestic insurance market reach close to its saturation. To overcome difficulties, Korean insurers try to develop various plans which meet customer's needs and to establish efficient management strategies. In addition, they should also prepare to enter the overseas market. India, which has been growing rapidly in the world insurance market, is one of the regions that have a lot of potential with regard to the insurance industry. Thanks to the Korea-India CEPA agreement, export volumes form Korea to India have increased significantly, and the number of manufacturers that want to do business in India is expected to raise. So, Korean insurers prepare to provide insurance services for the manufacturers who are going to enter India. In order to enter the Indian insurance market, Korean insurers need to set up a multi-staged strategy. Because the equity holding limit for foreign insurance companies is 26% in India, the overseas office is more effective to enter the Indian insurance market in the early stage. After satisfying some necessary conditions, the overseas office may change into the joint venture. Localized management strategies are also essential for Korean insurers. Since India has both a large territory and various languages, high qualities of the local labors are inevitable. Hence, it is important to hire and manage these high quality labors. Lastly, because more than 2/3 of population are in poor in India, Korean insurers should prepare to make and sell niche products.
