现代保险营销手段如何助力普惠金融的实现——以普惠保险为例
How Modern Insurance Marketing Methods Can Help the Realization of Inclusive Finance—Taking Inclusive Insurance as an Example

本文聚焦现代保险营销手段包括客户画像、AI客服助理、数字化智能化服务及多渠道宣传对普惠保险发展的促进作用，旨在探讨现代保险营销手段如何助力普惠保险的发展，从而进一步推动普惠金融的高质量发展。研究表明，这些手段通过精准营销与个性化服务，有效提升了目标群体对普惠保险的认知度和产品可得性，显著扩大了其覆盖范围和受众程度。研究不仅为保险机构及政府提供了实用政策建议，也为普惠保险理论发展贡献了新视角。随着技术进步，现代营销手段有望在普惠金融领域发挥更大效能，促进经济与社会稳定。
This article focuses on the role of modern insurance marketing methods in promoting the development of inclusive insurance, including customer portraits, AI customer service assistants, digital and intelligent services and multi-channel publicity, and aims to explore how modern insurance marketing methods can help the development of inclusive insurance and further promote the high-quality development of inclusive finance. Research shows that through precise marketing and personalized services, these methods have effectively improved the target group’s awareness of inclusive insurance and product availability, and significantly expanded its coverage and audience. The research not only provides practical policy recommendations for insurance institutions and governments, but also contributes a new perspective to the development of inclusive insurance theory. With the advancement of technology, modern marketing methods are expected to play a greater role in the field of inclusive finance and promote economic and social stability.