山西省人身保险市场存在问题及发展对策研究

发布时间：2018-03-16 08:14

本文选题：人身保险　切入点：山西省　出处：《山西财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：改革开放以来，随着社会经济实力的不断提升，居民生活水平的不断提高以及保障投资意识需求的不断增长，我国人身保险业无论在保费收入、保险公司资金规模、保险产品种类以及险企经营管理模式、监管当局法律政策方面均取得了突破性的发展。但2008年金融危机之后，随着国内证券市场的持续低迷，银行业工作重心的转移，银行理财、证券基金等理财替代品的兴起，银保新政对银保销售渠道的冲击等因素，我国人身保险业出现了保费收入增长增速下降、产品收益率不高、竞争力相对下降等新表现。对此，国内学者已经对当前我国人身保险消费状况进行了大量研究，主要集中在对寿险需求影响因素和比较寿险需求区域差异等方面的研究，但是将人身保险市场从供求双方、市场产品结构多角度整体性的研究结果还比较少，并且缺乏地市角度、不同保险公司角度的深入研究，缺少将经济学、金融学与管理学、营销学等学科共同应用于分析保险市场的研究成果。本文在回顾相关理论和文献的基础上，分别从市场结构、保险公司经营现状、保险需求影响因素、市场公平性等四方面对山西省人身保险市场现状与存在问题进行了较为深入的研究。文章认为，山西省作为中国内陆省份，无论在经济规模、产业升级、居民保障投资意识乃至保险公司经营管理水平上均与我国沿海发达地区存在较大差距，因此当地人身保险市场除存在保费收入增长增速下降、产品竞争力相对下降等全国性表现外，也存在着经营主体集中度偏高、产品差异化较小等新趋势、新特点。此外，山西省人身保险公司在经营过程中也存在着产品赔付比率偏高、健康保险发展相对滞后的地域性特点。从需求角度讲，文章利用2007-2011年山西省各地市相关数据，利用面板数据模型分析得出当地人身保险需求与当地居民收入存在正相关关系，但与社会保障水平、物价水平以及利率水平没有显著关系。另外通过对山西省人身保险市场公平性分析可知，山西省人身保险保费收入来源公平性相对较差，虽然这与当地各地市经济发展差异较大有直接原因，，但当地各人身保险公司仍有充分挖掘当地欠发达地市潜在市场的必要与动力。在以上分析研究的基础上，文章针对山西省人身保险市场存在的特点与问题，运用管理学、营销学相关知识，对当地人身保险公司提出了建议，以期为实现当地人身保险业健康、科学发展提供可行性建议：结合自身实力，选择正确现实的竞争战略；立足细分市场，努力发展目标市场与客户；提升经营效率，降低成本并增强竞争能力；把握政策良机，积极进军并占领“蓝海”领域；注重经营风险，平衡保费收入结构与地区；改进营销方式，助力既定竞争战略的实施；做深广告营销，把握保险自身特点来宣传。
[Abstract]:Since the reform and opening up, with the continuous improvement of the social and economic strength, the continuous improvement of the living standard of residents and the continuous growth of the demand for protection of investment awareness, China's personal insurance industry, regardless of premium income, insurance company capital scale, The types of insurance products, the operation and management mode of insurance companies, and the regulatory authorities' legal policies have all made a breakthrough. However, after the financial crisis in 2008, with the continued downturn of the domestic securities market, the banking industry has shifted its focus of work. With the rise of financial alternatives such as bank financing and securities funds, and the impact of the new policy on the sales channels of the insurance companies, China's personal insurance industry has experienced a decline in the growth rate of premium income and a low rate of return on its products. For this reason, domestic scholars have done a great deal of research on the current situation of life insurance consumption in China, mainly focusing on the factors affecting life insurance demand and the regional differences in the comparison of life insurance demand. However, the research results of integrating the life insurance market from the supply and demand sides, the market product structure, the multi-angle integrity, and the lack of the in-depth study of the different insurance companies, the lack of economics, finance and management, Marketing and other disciplines are used to analyze the research results of the insurance market. On the basis of reviewing the relevant theories and literature, this paper analyzes the market structure, the current situation of insurance companies, and the influencing factors of insurance demand. This paper makes a deep study on the present situation and existing problems of the life insurance market in Shanxi Province from four aspects, such as market fairness. The article holds that Shanxi Province, as a inland province of China, is in terms of economic scale and industrial upgrading. There is a big gap between the residents' security investment consciousness and the management level of insurance companies and the developed coastal areas of our country, so the growth rate of premium income in the local personal insurance market is decreasing. Besides the national performance, such as the relative decline in product competitiveness, there are also new trends and new characteristics, such as high concentration degree of business subjects and small product differentiation. In the course of operation, Shanxi personal Insurance Company also has the regional characteristics of high product indemnity ratio and lagging development of health insurance. From the point of view of demand, using the relevant data of each prefecture and city of Shanxi Province from 2007 to 2011, using panel data model, the paper draws the conclusion that the demand for local personal insurance has a positive correlation with the income of local residents, but it has a positive correlation with the level of social security. There is no significant relationship between price level and interest rate level. In addition, by analyzing the equity of life insurance market in Shanxi Province, we can see that the equity of income source of personal insurance premium in Shanxi Province is relatively poor. Although there is a direct reason for this difference with the local economic development, the local life insurance companies still have the necessary and motive power to fully tap the potential market of the underdeveloped local cities. On the basis of the above analysis and research, aiming at the characteristics and problems existing in the life insurance market of Shanxi Province, this paper puts forward some suggestions to the local personal insurance companies by using the relevant knowledge of management and marketing. In order to achieve the health of local insurance industry, scientific development to provide feasible advice: combine their own strength, choose the correct realistic competitive strategy; based on the market segment, strive to develop the target market and customers; improve operational efficiency, Reduce costs and enhance competitiveness; grasp policy opportunities, actively enter and occupy the "Blue Sea" field; pay attention to business risks, balance the structure and region of premium income; improve marketing methods to help the implementation of the established competitive strategy; Deep advertising marketing, grasp the characteristics of insurance to promote.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.62

【参考文献】