Z财产保险公司浙江分公司的经营状况及发展策略

发布时间：2018-03-28 20:46

本文选题：财产保险公司　切入点：经营状况　出处：《浙江工商大学》2016年硕士论文

【摘要】：目前国际保险业呈现出市场集中度提高,产品创新不断,网络保险发展迅速的特征。我国保险行业也进入了深化改革、加速发展的新阶段。随着我国经济的不断发展,人民生活水平的不断提高,人们对于保险的需求日益增长。我国保险行业在过去的三十几年时间里得到了迅速的发展。但是从与发达国家的横向比较中,我们不难发现我国保险行业无论是保险密度还是保险深度都远不及发达国家,保险行业发展水平依然较低。2014年国务院发布保险业新“国十条”提出努力由保险大国向保险强国转变。2015年保监会正式发布《关于深化商业车险条款费率管理制度改革的意见》,这标志着备受瞩目的商业车险费率改革正式启动。面对我国保险行业改革的不断深化,我国保险公司尤其是财产保险公司迎来了新的挑战与机遇。基于上述背景,本文将在对Z财产保险公司的发展进行全方位介绍的基础上,以其浙江省分公司为例从保费收入和赔付支出这两方面对其近年来的经营状况进行分析,并与其总公司以及行业数据进行对比分析,从中发现该公司的经营优势与劣势,并以此为基础对往后的发展提出针对性的规划与建议。本文将分为以下几个部分：第一章,绪言。主要介绍选题背景与意义、文献回顾以及本文的研究内容和研究框架。第二章,Z公司介绍。从公司发展情况、组织架构、险种结构和营销模式四个方面对其进行全方位介绍。第三章,分公司保费收入情况分析。以浙江省分公司为例,分析其保费收入情况并与总公司、行业水平进行对比,然后再分渠道分险种分地区对其近年来的保费收入进行细化分析。第四章,分公司赔付情况分析。以浙江省分公司为例,对其近年来的赔付率进行分析并与总公司、行业水平进行对比,然后再分渠道分险种分地区对其赔付率进行细化分析。第五章,险种绩效实证分析。本章节将运用数据包络法对分公司近几年的各险种绩效的稳定性和均衡性进行实证分析。第六章,研究结论和政策建议。在上述章节分析的基础上,总结研究结论,并对分公司提出针对性的政策建议。
[Abstract]:At present, the international insurance industry presents the characteristics of increasing market concentration, continuous product innovation and rapid development of network insurance. China's insurance industry has also entered a new stage of deepening reform and accelerating development. With the continuous development of China's economy, With the improvement of people's living standard, people's demand for insurance is increasing day by day. China's insurance industry has developed rapidly in the past 30 years. But from the horizontal comparison with developed countries, It is not difficult to find that the insurance industry in our country is far from the developed countries in terms of insurance density or insurance depth. The development level of the insurance industry is still relatively low. In 2014, the State Council issued the new "National Ten articles" of the insurance industry and proposed efforts to be transformed from a big insurance country to an insurance power. In 2015, the Insurance Regulatory Commission officially issued < on deepening the rate Management system for Commercial Automobile Insurance clauses. This marks the official start of the reform of commercial auto insurance rates, which has attracted much attention. In the face of the continuous deepening of the reform of the insurance industry in China, China's insurance companies, especially property insurance companies, are facing new challenges and opportunities. Based on the above background, this paper will introduce the development of Z property insurance company in all directions. Taking its Zhejiang branch as an example, this paper analyzes its operating situation in recent years from the two aspects of premium income and compensation expenditure, and compares it with its head office and industry data, and finds out the advantages and disadvantages of the company. This paper will be divided into the following parts: the first chapter, introduction, mainly introduces the background and significance of the topic, Review of the literature and the research content and research framework of this paper. Chapter II introduction of the company. From the company's development, organizational structure, insurance structure and marketing model four aspects of its introduction. Chapter three, Taking Zhejiang Branch as an example, the premium income of the branch is analyzed and compared with that of the head office and the industry. Then the insurance premium income in recent years is analyzed in detail. Chapter four, the compensation situation of the branch company. Taking Zhejiang branch as an example, the paper analyzes the indemnity rate in recent years and the head office. The industry level is compared, and then divided into channels, subtypes and regions to analyze the odds of compensation. Chapter five, This chapter will use the data envelopment method to analyze the stability and equilibrium of the insurance performance in recent years. Chapter VI, the conclusions and policy recommendations. Summarize the conclusions of the research, and put forward targeted policy recommendations to the branch office.
【学位授予单位】：浙江工商大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F272.3;F842.3

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