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4.2 Analysis of Indian insurance market
a. The culture of India
India has the second largest population of 1billion people, among which 0.82 billion are Hindu, 0.11billion are Muslim, 2.7 million Nazarene, and also some Buddhist. Different religious has different habit. For example, Hindu worship cattle and protest against butchering cattle. In recent years, there are conflicts between Indian culture and western culture, seriously. On February 14th, 2001, Indian religious group organized a pageant to oppose the Saint Valentine's Day.
In India, there's no 'Indian' language. Eighteen languages are officially recognized by the constitution, but over 1600 minor languages and dialects were listed in the 1991 census. Hindi is the predominant language in the north, while in the south, very few people speak Hindi. The Indian upper class clings to English. Only about 3% of Indians have a firm grasp of the language (Alan, 2006).
b. The economic and legal conditions of India and its economic policies
India's population continues to grow at about 1.8% per year and is estimated at one billion. While its GDP is low in dollar terms, India has the world's 13th-largest GNP. About 62% of the population depends directly on agriculture. Industry and services sectors are growing in importance and account for 26% and 48% of GDP, respectively, while agriculture contributes about 25.6% of GDP. More than 35% of the population lives below the poverty line, but a large and growing middle class of 150-200 million has disposable income for consumer goods. The economy develops fast in India, in recent years and it has posted an excellent average GDP growth of 6.8% since 1994. A growth rate of above 8% was achieved by the Indian economy during the year 2003-04. Indian economy has steadily increased since 1979, at the average rate of 5.7% per year in the 23-year growth record. Indian economic growth is constrained, however, by inadequate infrastructure, cumbersome bureaucratic procedures, and high real interest rates (Mulford , 2005).
5.0 Conclusion （结论部分注意一点，就是一般都固定的以In conclusion开头）
In conclusion, from the deep research on the Chinese and India insurance, different conditions for insurance is clear to us. Although both markets are potential, Chinese insurance market is more preferential for the Allianz group to further develop. Meanwhile, it is urgent to develop, or Allianz may loss the huge market in future under the sever competition. This essay analyses the general development of the insurance market and the insurance market conditions of China and India, respectively. Through comparison it draws the conclusion that the Allianz Group should extend its business in china first. Furthermore recommendations are brought forth to choose the appropriate method to enter Chinese insurance market.
References：
Alan, M. (2006). Shifting Tides-Culture in Contemporary China. Beijing University Press.
Ding Z. (2006). Research on the Development and Problems of Modern Insurance in China. Journal of Kaifeng University, 20(1), pp 19-23.
Jin H. and Xiu D. (2006). Shifting Tides-Culture in Contemporary China. Beijing University Press.
Mulford D. C. (2005). Paper Presented at The Conference on Building A Vibrant Insurance Market in India. New Delhi: Taj Mansingh Press.
（reference就是文章中引用部分的出处，按照作者，年份，书名，出版社地址，出版社来写，要注意几点：
1. 每个ref之间隔一行，
2. 如果一个ref要写两行，第二行缩进5个字符
3. 书名用斜体字，并且书名中每个单词首字母大写，虚词除外
4. 最后，将每个ref按其首字母的先后顺序排序
5. 一般1000字写4个ref，以此类推
6. 在reference部分里出现的每个ref都要写到文章中相应的引用部分，所以文中和后面的ref要一一对应）
关于ref的格式，我们会在“reference写法”文件里特别详细说明，请仔细阅读
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