AB人寿吉林分公司盈利能力分析

发布时间：2018-03-04 06:06

本文选题：AB人寿　切入点：盈利模式　出处：《吉林大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着我国经济的发展，保险公司业务发展越来越迅速，2009年全国保费收入突破一万亿元，比2005年翻了一番，提前完成了“十一五”规划目标。2010年保监会主席吴定富在陆家嘴论坛上指出了十二五是我国保险业发展的重要战略时期，十二五期间我国保险业将面临许多重要的机遇和挑战。从我国目前保险业的发展状况看，寿险公司近几年保费收入增长比较缓慢。根据中国保监会发布的统计数据，2011年寿险全年保费收入为9721亿元，比2010年下降了8.57%。2012年，中资寿险公司保费收入为9482亿元，比2011年增长了3.37%。在寿险公司盈利增长较缓的情况下，如何才能提高寿险公司的盈利能力，加强寿险公司在市场中的竞争，成为一个重要的研究课题。 AB人寿保险公司1996年成立，2011年上市，作为刚刚上市不久的大型寿险公司，其公司的盈利情况关系到公司未来持续发展和公司股价的走势。AB人寿吉林分公司是AB人寿的二级机构，2012年保费收入比2011年减少了2个多亿，虽然在全国二级机构中排名靠前，但是公司的盈利能力不足，承保利润率较低，因此提高AB人寿吉林分公司的盈利能力成为分公司管理者要解决的一个问题。本篇文章分为五部分，第一部分为绪论，主要讲述了寿险公司盈利能力研究的背景和意义，通过对国内外盈利能力研究的综述，了解了国内外盈利能力管理的现状，并进一步明确了本文的研究思路、方法和内容，勾画出了实证分析的基本框架；第二部分为寿险盈利能力分析的概述，包括寿险盈利能力基本概念、评估方法、分析原则和盈利模式等，这部分为后面实证研究奠定理论基础；第三部分分析了AB人寿吉林分公司盈利能力的现状及问题，通过对AB人寿吉林分公司盈利能力的现状进行深入分析，发现AB人寿吉林分公司在盈利能力管理中出现的各种问题；第四部分分析引起AB人寿吉林分公司盈利能力变动的因素，包括内部因素和外部因素，并对内部和外部因素进行了详细的描述。第五部分针对AB人寿吉林分公司盈利能力管理中出现的问题，提出了提高盈利能力的一系列途径，包括优化公司未来发展的战略和战术，控制管理费用，实行新的销售策略，强化内部控制和风险管理，加强人力资源和资金运用的管理水平，优化保险信息系统和数据统计技术等。以上五部分的分析研究，我们希望能够通过一系列的途径，提高AB人寿吉林分公司盈利能力，使AB人寿吉林分公司在未来的经营中能够更加具有竞争力，，最终使吉林分公司的经济效益走在整个AB人寿公司分支机构的前列。
[Abstract]:With the development of China's economy, the business of insurance companies is developing more and more rapidly. In 2009, the national premium income exceeded 1 trillion yuan, double that of 2005. The 11th Five-Year Plan was completed ahead of schedule. On 2010, Chairman Wu Dingfu of the Insurance Regulatory Commission pointed out at the Lujiazui Forum that the 12th Five-Year Plan was an important strategic period for the development of China's insurance industry. During the 12th Five-Year Plan period, China's insurance industry will face many important opportunities and challenges. According to statistics released by the China Insurance Regulatory Commission (CIRC), in 2011, the annual premium income of life insurance was 972.1 billion yuan, which was 8.57.2012 compared with 2010, and the premium income of Chinese-funded life insurance companies was 948.2 billion yuan. Compared with 2011, it has increased 3.37. how to improve the profitability of life insurance companies and strengthen the competition of life insurance companies in the market has become an important research subject under the condition that the profit growth of life insurance companies is relatively slow. AB Life Insurance Company was established on 1996 and listed on 2011. The profit situation of the company is related to the company's future development and the trend of the company's stock price. The Jilin Branch of AB Life Insurance is the second-tier institution of AB Life. In 2012, the premium income of the company decreased by more than 200 million compared with 2011, although it ranked first among the national secondary institutions. However, the profit ability of the company is insufficient and the underwriting profit margin is low. Therefore, improving the profitability of the Jilin branch of AB Life Insurance has become a problem to be solved by the branch managers. This article is divided into five parts, the first part is introduction, mainly narrates the background and significance of life insurance company profit ability research, through the summary of domestic and foreign profit ability research, has understood the domestic and foreign profit ability management present situation, The second part is an overview of life insurance profitability analysis, including the basic concept of life insurance profitability, evaluation methods. This part lays a theoretical foundation for the empirical research. The third part analyzes the current situation and problems of the profitability of AB Life Jilin Branch. Through the in-depth analysis of the present situation of the profitability of the Jilin branch of AB Life Insurance Company, it is found that there are various problems in the management of the profitability of the Jilin Branch of AB Life Insurance Company, and the factors that cause the change of the profitability of Jilin Branch of AB Life Insurance Company in 4th are analyzed. It includes internal and external factors, and describes the internal and external factors in detail. Part 5th, aiming at the problems in the management of profit ability of Jilin Branch of AB Life Insurance Company, puts forward a series of ways to improve profitability. Including optimizing the company's strategy and tactics for future development, controlling management costs, implementing new sales strategies, strengthening internal controls and risk management, and strengthening the management level of human resources and the use of funds. We hope to improve the profitability of AB Life Insurance Jilin Branch through a series of ways to optimize the insurance information system and data statistics technology, and so on. The above five parts of the analysis and research, we hope to be able to improve the profitability of AB Life Jilin Branch, So that the Jilin branch of AB Life can be more competitive in the future operation, and finally the economic benefits of Jilin Branch will be in the forefront of the branch of AB Life Company.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3

【参考文献】