SA保险代理公司战略转型研究

发布时间：2018-04-04 06:10

本文选题：保险代理　切入点：公司发展战略　出处：《昆明理工大学》2017年硕士论文

【摘要】：改革开放后,我国社会经济发展水平和公众风险意识的不断提高,保险需求与日俱增,保险中介快速崛起,尤其是在保险代理行业。1998年以来,保险代理行业进入了快速发展的新阶段,机构数量快速增加,业务规模逐渐扩大,已经成为我国保险中介市场的重要力量。发展保险代理行业已成为保险体制改革的必然要求。而与此同时,由于起步晚、基础差,保险代理行业与我国现代社会经济发展水平及保险体制改革发展的需要还很不相适应。SA保险代理公司成立于2009年,是我国较早进入保险代理行业之一的公司,通过不断摸索,稳健发展,规模逐步扩大,在省内设立了多家分支机构。2007年11月,中国保监会在《关于保险中介市场发展的若干意见》中为鼓励保险专业代理机构大力发展引入了更加灵活的机制。2009年中国保监会允许符合条件的保险专业代理机构在全国开展业务,2010年起开始正式批复全国性代理公司。在此背景下,SA保险代理公司应该如何抓住难得的历史机遇,实施突破性的发展,是公司目前面临的最重大的战略问题。本文以SA保险代理公司为研究对象,采取了理论分析与案例研究相结合的方式,对SA保险代理公司战略问题进行分析,通过比较分析得出结论:SA保险代理公司应改变现有的扩张战略,实施目标聚焦战略,将经营区域聚焦于河北省,将客户群聚焦在股东、大型或系统性行业客户,将保险产品聚焦在政策性保险和地方经济发展的配套产品上,在产品研发、承保、理赔、投资、营销、客户服务等六方面实施目标聚焦的措施,建立竞争优势。为保证战略的执行落地制定了配套的保障措施:一是重塑公司文化;二是重新搭建组织结构,调整部门职能;三是建立有序的人力资源储备;四是构建集中管控、分级管理、流程标准化、授权差异化的财务管理体系;五是对组织实行分级分类考核,由分公司认领年度的任务目标;六是加强营销管理;七是加强与银行、金融担保及保险公司的深入合作等。
[Abstract]:Since the reform and opening up, the level of social and economic development and the public awareness of risk have been continuously improved, the demand for insurance has been increasing, and insurance intermediaries have risen rapidly, especially in the insurance agency industry.The insurance agency industry has entered a new stage of rapid development, the number of institutions has increased rapidly and the business scale has gradually expanded, which has become an important force in the insurance intermediary market of our country.The development of insurance agency industry has become the inevitable requirement of insurance system reform.At the same time, due to the late start and poor foundation, the insurance agency industry and the level of modern social and economic development of our country and the needs of the reform and development of the insurance system are not suitable for the establishment of the insurance agency company in 2009.Is our country early enters one of the insurance agency profession's company, through unceasingly groping, the steady development, the scale expands step by step, has set up many branches in the province. November, 2007,The CIRC has introduced a more flexible mechanism to encourage the development of insurance professional agencies in "some opinions on the Development of Insurance intermediary Market". In 2009, CIRC allowed qualified insurance professional agents.Construction in the country to carry out business, in 2010 began to formally approve the national agency.Under this background, how to seize the rare historical opportunity and implement the breakthrough development for SA insurance agency company is the most important strategic problem facing the company at present.This paper takes SA insurance agency company as the research object, adopts the method of combining the theory analysis and the case study, carries on the analysis to the SA insurance agent company strategy question.Through comparative analysis, we draw the conclusion that: SA insurance agency should change its existing expansion strategy, implement the target focusing strategy, focus its business area on Hebei Province, and focus its customer base on shareholders, large or systematic industry customers.The insurance products should be focused on the supporting products of policy insurance and local economic development, and the measures should be implemented in six aspects: product research and development, insurance, claim settlement, investment, marketing, customer service, so as to establish the competitive advantage.In order to ensure the implementation of the strategy to the ground to formulate supporting safeguards: first, to reshape the company culture; second, to re-establish the organizational structure, adjust the functions of the department; third, to establish an orderly human resources reserve; fourth, to build centralized control, hierarchical management,Process standardization, differentiated financial management system of authorization; fifth, the implementation of classification and assessment of the organization, the task objectives of which are to be claimed by the branch company for the year; sixth, to strengthen the marketing management; and, seventh, to strengthen the work with the bank,Financial guarantee and insurance companies, such as in-depth cooperation.
【学位授予单位】：昆明理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.3

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