互联网金融业态下ABC养老保险公司运营体系转型研究

发布时间：2018-04-08 15:37

本文选题：养老保险　切入点：互联网金融　出处：《上海交通大学》2014年硕士论文

【摘要】：作为主营企业年金业务的ABC养老保险公司,7年以来,公司注重服务质量,搭建了业内领先的运营服务平台,较好满足了企业年金业务的运作需要。随着互联网金融及保险资管业务创新步伐的加快,公司产品种类和业务范围正在快速拓展,现有的运营服务平台逐步显露出不足:原先以服务年金企业客户为主要对象,在面对大量个人客户服务时存在不适应;原先以支持年金业务为主的运营平台,在支持更多创新类资管产品时存在不适应;原先以实体网点为主的服务渠道,与互联网金融生态下客户习惯存在不适应;账户管理高成本的运作方式,与公司盈利目标存在不适应。这些问题正在阻碍ABC公司的快速发展,对运营平台的转型升级将迫在眉睫。本文从公司现有平台面临的诸多问题分析入手,分析了运营体系转型的必要性、转型目标以及转型思路,同时在借鉴目前一些主流互联网技术及互联网金融案例基础上,就ABC公司运营体系转型重点举措及配套保障措施给出了一些具体建议方案,最后就与之相关的一些宏观政策提出了一些完善建议。
[Abstract]:As the main enterprise annuity business ABC endowment insurance company has paid attention to service quality and built a leading operating service platform since 7 years to better meet the operational needs of enterprise annuity business.Along with the Internet finance and insurance fund management business innovation step by step, the company product category and the service scope are expanding rapidly, the existing operation service platform gradually reveals the insufficiency: originally regards serves the annuity enterprise customer as the main object,In the face of a large number of individual customer service, there is inadaptability; in support of the annuity business as the main operating platform, in support of more innovative asset management products, the original entity network service channels,It does not adapt to the customer habits under the Internet financial ecology, and the high cost operation mode of account management does not adapt to the profit target of the company.These problems are hindering the rapid development of ABC, the transformation and upgrading of the operating platform will be imminent.This paper begins with the analysis of many problems faced by the company's existing platform, analyzes the necessity, the target and the train of thought of the transformation of the operation system, and at the same time, on the basis of some current mainstream Internet technology and Internet finance cases,
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3

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