全国性保险中介公司可行性研究

发布时间：2018-03-31 04:14

本文选题：保险中介　切入点：盈利模式　出处：《华中师范大学》2013年硕士论文

【摘要】：1998年在东南亚各地爆发的金融危机,2007年在美国由于房地产次贷危机诱发的金融海啸,2010年希腊政府发生严重的财政危机等等,这些特定的金融事件虽然发生在不同国家,破坏程度不一,但其结果是相似的,都对当事国和世界经济造成了灾难性的影响和较大的经济波动,对民众的生活造成负面的影响。金融这双无形的手的对世界的影响力量已经超过了战争,人们把它比喻为“货币战争”,金融立国已是大势所趋,如何在世界性的金融危机中幸免于难?提高金融在中国的地位和世界的影响力及抗风险能力是我们必须直面的课题。保险作为我国金融行业的三驾马车之一,其作用和影响力正在逐年上升,已经成为金融价值链中的重要环节。我国的保险事业发展才短短二十余年,政策支持、市场环境和保险机制很不成熟,国民的风险管控意识和保险观念有待加强。而且处于发展初期的保险中介公司也存在较多问题：一是保险中介与经济发展的总体要求、与保险业发展的需求、与人民群众对保险服务的需要仍不相适应。服务质量和服务水平还有相当大差距,代理机构的诚信、经纪机构的专业、公估机构的公正、人才队伍建设等都是需要我们长期关注的问题：二是保险中介从业人员和保险营销员的岗前培训和继续教育制度没有很好地落实；三是规模小。保险中介机构数量虽已发展到2000余家,但无论是整体还是个体,其市场份额、业务收入、资产规模都较小,仅相当于一家中等规模的保险公司。面对我国加入世贸以来的经济全球化趋势,市场的逐步开放,产销分离的加速,保险中介行业已经成为一种新的发展趋势。笔者作为一名保险中介从业者,主要是从以下几个方面对组建全国性保险中介公司的可行性进行分析研究的：一、企业组织结构的构建；二、运行模式及企业文化；三、盈利模式与财务分析。本文首先对我国保险的需求与现实的落差进行宏观剖析,进而对保险中介未来发展的形态和路径进行科学判断,通过对世界保险中介产业发展核心制度的分析,提出我国保险中介业发展核心竞争力建设的思路和具体的运作方式,包括盈利模型、服务模式等,并进一步印证可行性,对组建企业的投入和产出的财务状况进行了详细分析,最后通过对经济效益和社会效益的双重评估,力证了本项目的可行性。希望对筹建和发展保险中介企业提供系统的、有益的借鉴和帮助。
[Abstract]:The financial crisis that broke out in Southeast Asia in 1998, the financial tsunami in the United States in 2007 caused by the sub-prime mortgage crisis in real estate, the serious financial crisis of the Greek government in 2010, and so on. Although these specific financial events occurred in different countries, The degree of destruction varies, but the results are similar, with disastrous effects and large economic fluctuations on both the countries concerned and the world economy, It has a negative impact on people's lives. Finance, the invisible hand, has had more influence on the world than war. People have likened it to "currency war," and the financial establishment of the country has become a general trend. How to survive the global financial crisis? Improving the position of finance in China, the influence of the world and the ability to resist risks is a problem that we must face directly. As one of the Troika in China's financial industry, the role and influence of insurance is rising year by year and has become an important link in the financial value chain. The market environment and insurance mechanism are very immature, and the awareness of risk control and insurance concept of the people need to be strengthened. Moreover, insurance intermediary companies in the early stage of development also have many problems: first, the overall requirements of insurance intermediary and economic development. It is still not in line with the needs of the people for insurance services. There is still a considerable gap between the quality and level of service, the integrity of agency agencies, the expertise of brokerage agencies, and the impartiality of public evaluation agencies. The construction of talent team is the problem that we should pay attention to for a long time: second, the pre-job training and continuing education system of insurance intermediary employees and insurance marketers have not been well implemented; The number of insurance intermediary organizations has grown to more than 2000, but their market share, business income and assets are small, which is equivalent to a medium-sized insurance company. Facing the trend of economic globalization since China's entry into WTO, the gradual opening of the market and the acceleration of the separation of production and marketing, the insurance intermediary industry has become a new trend of development. The feasibility of setting up a national insurance intermediary company is mainly analyzed and studied from the following aspects: first, the construction of enterprise organizational structure; second, operation mode and corporate culture; third, Firstly, this paper makes a macro analysis of the gap between the demand and the reality of insurance in China, and then makes a scientific judgment on the future development of insurance intermediary. Based on the analysis of the core system of the development of insurance intermediary industry in the world, this paper puts forward the train of thought and concrete operation mode of the development core competence of insurance intermediary industry in our country, including profit model, service mode and so on, and further verifies the feasibility. This paper makes a detailed analysis of the financial situation of the input and output of the established enterprises, and finally proves the feasibility of the project through the dual evaluation of economic and social benefits. It hopes to provide a systematic system for the preparation and development of insurance intermediary enterprises. Useful reference and help.
【学位授予单位】：华中师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3

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