我国股东型保险经纪公司业务发展策略研究

发布时间：2018-05-04 22:29

本文选题：股东型保险经纪公司 + 资源优势　；参考：《天津财经大学》2014年硕士论文

【摘要】：国外的保险经纪公司早在一百多年之前就已产生,并对国际保险市场有着重要作用。相对而言,我国2000年才成立首批全国性的保险经纪公司,保险经纪行业起步较晚。因而,保险经纪公司的出现无疑是为我国保险市场增添了重要的新生力量,其诞生和发展对进一步规范保险市场,维护投保人权益和促进国内外保险市场的接轨合作都发挥着重要作用。作为保险经纪市场一员的股东型保险经纪公司,凭借规模优势、股东资源和规范的公司管理等优势,在不断发展变化的保险经纪市场环境中占有一席之地。然而,随着我国许多国字头大型企业集团纷纷投资设立保险经纪公司(股东型),使保险经纪市场竞争主体不断增加,并且互联网技术的发展也在不断推动脱媒格局的形成,在这机遇与挑战并存的市场环境面前,股东型保险经纪公司应如何持续保持领先地位,如何确保能够充分发展的同时又不在成长道路上最终偏离方向,这一个值得关注的问题。此篇论文结合作者在股东型保险经纪公司实习项目的一些收获,运用PESTLE管理学模型对股东型保险经纪公司在外部宏观环境中遇到的机遇0与威胁T进行分析,主要从政治政策因素P、经济因素E、社会因素S、技术因素T、法律因素L及环境因素E这六方面进行详细阐述,再结合SWOT分析模型,对股东型保险经纪公司自身经营的优势S与劣势W进行具体分析。同时以两者现有的分析结果作为基础,借助内外因素评价矩阵将我国股东型保险经纪公司在业务发展中遇到的机会0 (opportunity)与威胁T (threat)、自身经营存在的优势S (strength)和劣势W (weakness)进行量化,直观刻画出其全部的吸引力,得出股东型经纪公司的外部发展机会略大于威胁,内部业务环境状况处于相对劣势的结论。在最后,文章提出发挥自身优势全面发展、拓宽营销渠道、强化经纪业务风险管理建设、培育保险经纪市场及实施多元化人才培养等五方面业务发展建议,以供股东型保险经纪公司选择参考。
[Abstract]:Foreign insurance brokerage companies have emerged more than 100 years ago and play an important role in the international insurance market. Comparatively speaking, China established the first batch of national insurance brokerage companies in 2000, and the insurance brokerage industry started late. Therefore, the emergence of insurance brokerage companies undoubtedly adds an important new force to the insurance market in our country, and its birth and development will further standardize the insurance market. Safeguard policy-holder rights and interests and promote domestic and international insurance market integration and cooperation are playing an important role. As a member of the insurance brokerage market, the stockholder insurance brokerage company has a place in the changing environment of the insurance broker market by virtue of the advantages of scale, shareholder resources and standardized company management. However, with the large enterprise groups in many countries investing in the establishment of insurance brokerage companies (shareholder type), the main body of competition in the insurance brokerage market is increasing, and the development of Internet technology is promoting the formation of disintermediation pattern. In this market environment where opportunities and challenges coexist, it is worth paying attention to how to keep the leading position of stockholder insurance brokerage companies and how to ensure that they can fully develop and do not deviate from the direction of the growth path at the same time. In this paper, the author analyzes the opportunity 0 and the threat T of shareholder insurance brokerage company in the external macro environment by using PESTLE management model combined with some achievements of the author's internship project in the stockholder insurance brokerage company. Mainly from the political policy factor P, the economic factor E, the social factor S, the technical factor T, the legal factor L and the environment factor E these six aspects carries on the detailed elaboration, then unifies the SWOT analysis model, This paper analyzes the advantages and disadvantages of stockholder insurance brokerage company. On the basis of both existing analytical results, With the help of internal and external factor evaluation matrix, this paper quantifies the opportunities encountered by China's stockholders insurance brokerage companies in business development, including the opportunities they encounter in the development of their business) and the threats to their business development, including the advantages and disadvantages of their own operations, and their weaknesses, so as to visualize their overall attractiveness. The conclusion is that the external development opportunity of stockholder brokerage company is slightly greater than the threat, and the internal business environment is at a relative disadvantage. Finally, the article puts forward five business development suggestions, such as giving full play to its own advantages, broadening marketing channels, strengthening the risk management construction of brokerage business, cultivating insurance brokerage market and implementing diversified talent training. In order to provide shareholder-based insurance brokerage companies to choose reference.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3

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