A保险公司宁夏分公司寿险业务结构分析及对策研究

发布时间：2018-05-02 16:21

本文选题：寿险公司 + 业务结构　；参考：《宁夏大学》2014年硕士论文

【摘要】：A保险公司宁夏分公司作为一家老牌国有寿险公司,经过几十年来的发展,已成为宁夏市场覆盖面最广、综合竞争力最强的人寿保险公司。根据中国保险监督管理委员会的数据,截止2013年底,A保险公司宁夏分公司分支机构数量从2004年底的83家增加到126家,保费收入也从2004年底的4.27亿元增长到12.71亿元,增长了2.98倍。但是近年来公司过分注重规模的扩张,导致寿险业务结构失衡现象日渐突出,这也将导致保险公司经营亏损并加重经营的风险性。同时由于市场环境、渠道局限、考核指标及业务人员技能等因素使得业务结构调整面临着很多困难。本文从寿险公司业务结构基本理论研究入手,全面总结A保险公司宁夏分公司寿险业务结构的历史变迁、现状及特点,深入分析公司寿险业务结构目前存在的问题、成因及其面临的潜在风险,试图从不同层面探讨研究调整寿险公司业务结构的对策建议。
[Abstract]:A insurance company, Ningxia Branch, as an old state-owned life insurance company, after decades of development, has become the most extensive market coverage and the strongest comprehensive competitiveness of life insurance companies in Ningxia. According to the China Insurance Regulatory Commission, by the end of 2013, the number of branches in Ningxia branch of China Insurance Company increased to 126 from 83 at the end of 2004, and the premium income rose to 1.271 billion yuan from 427 million yuan at the end of 2004, an increase of 2.98 times. However, in recent years, the company pays too much attention to the expansion of scale, which leads to the imbalance of life insurance business structure, which will lead to loss and increase the risk of operation. At the same time, the adjustment of business structure is faced with a lot of difficulties due to the market environment, the channel limitation, the examination index and the technical skills of the business personnel. Starting with the basic theory research of life insurance company's business structure, this paper sums up the historical changes, present situation and characteristics of life insurance business structure of Ningxia branch of A insurance company, and deeply analyzes the existing problems in life insurance business structure of A insurance company. This paper tries to discuss the countermeasures and suggestions of adjusting the business structure of life insurance companies from different aspects.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3

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