湖南城乡保险中介公司发展与对策研究

发布时间：2018-06-06 02:51

本文选题：保险中介 + 保险中介公司　；参考：《中南林业科技大学》2013年硕士论文

【摘要】：中国的保险中介行业现在已经走到了需要加强自身的综合实力,提高企业的合规经营能力,市场竞争能力,进而提高整个保险中介行业的可持续发展能力。截至2012年8月,在湖南8052家保险中介渠道机构,目前仍处于多、小、散、乱状态,虽然在湖南保险市场上展现了不少的成绩,但也存在着不少发展初级阶段的问题。在竞争日益激烈的保险市场,许多公司面临倒闭厄运,机构大进大出成为这一保险领域的显著特点,急需解决的问题是找到稳定的可持续发展的对策,供湖南各中介公司借鉴。在当今国内保险业蓬勃发展的大环境下,国内暂没有标准可学习的时段,湖南保险中介市场的发展,应走出自己的发展路,在借鉴发达国家的保险中介市场发展和开放的经验,结合湖南市场的实际,走出一条有湖南特色的保险中介行业发展之路。本文用比较分析法、文献分析法和实证分析方法有效地相结合进行阐述。借用了2007年7月安丰君的《保险中介渠道价值链分析及盈利模式研究》,2009年版张承惠的《保险市场开放进程与战略》,2011年一2012年《湖南保险年鉴》,2011年6月8日中国保险报作者王稳,关于《国外保险中介市场发展和开放的经验》等文献提供的资料,主要分析了湖南城乡保险中介市场和各国中介市场的发展。针对湖南城乡保险中介的市场环境现状,探讨了湖南城乡保险中介市场的发展建议,为您在把握湖南城乡保险中介的市场走向和发展趋势中提供参考建议,从而在竞争中领先一步赢得先机! 总结了现存的阻碍湖南城乡保险中介公司进一步发展的三个问题点,即：没有确定的发展方向、没有确定的投资方向、经营的盈利模式不完善。提出湖南城乡保险中介公司三个发展对策：一是规范化、专业化、职业化、集团化、经营国际化的发展方向；二是增大技术型投资、提高市场适应能力、增加市场创新投入、把握理性投资的投资方向；三是完善内部价值、跨界、合作渠道、产品价值产业链的资源整合的盈利模式。以此为湖南城乡保险中介公司提供持续发展的理论依据。
[Abstract]:China's insurance intermediary industry has now come to the need to strengthen its comprehensive strength, improve the compliance of enterprises, market competitiveness, and then improve the sustainable development of the entire insurance intermediary industry. Up to August 2012, there are still many, small, scattered and chaotic insurance intermediary channels in Hunan Province. Although there are many achievements in Hunan insurance market, there are still many problems in the initial stage of development. In the increasingly competitive insurance market, many companies are facing the bad luck of closing down. The obvious characteristic of this insurance field is the big entry and exit of institutions. The urgent problem is to find the countermeasures of stable and sustainable development, which can be used for reference by various intermediary companies in Hunan Province. With the booming development of the domestic insurance industry, there is no time period for the domestic insurance industry to learn from the standards. The development of Hunan insurance intermediary market should go its own way and learn from the experience of the insurance intermediary market development and opening of the developed countries. Combined with the reality of Hunan market, out of a Hunan characteristics of insurance intermediary industry development. In this paper, the comparative analysis, literature analysis and empirical analysis methods are effectively combined to elaborate. Borrowed from an Fengjun in July 2007, "Analysis of Insurance intermediary Channel value chain and Research on profit Model", 2009 edition of Zhang Chenghui "Insurance Market opening process and Strategy", 2011-2012 Hunan Insurance Yearbook, June 8, 2011, author of China Insurance Journal Wang Wei, This paper mainly analyzes the development of insurance intermediary market in Hunan and other countries. In view of the present situation of the market environment of Hunan urban and rural insurance intermediary, this paper discusses the development suggestions of Hunan urban and rural insurance intermediary market, and provides reference suggestions for you to grasp the market trend and development trend of Hunan urban and rural insurance intermediary. So in the competition to win a step ahead of the opportunity! This paper summarizes three existing problems that hinder the further development of Hunan urban and rural insurance intermediary companies, that is, there is no definite direction of development, no definite direction of investment, and the profit model of operation is not perfect. Three development countermeasures of Hunan urban and rural insurance intermediary companies are put forward: one is the development direction of standardization, specialization, professionalization, collectivization, and the internationalization of management; the other is to increase technological investment, improve market adaptability, and increase market innovation investment. The third is to perfect the profit model of internal value, cross-border, cooperation channel and product value industry chain resources integration. In this regard, Hunan urban and rural insurance intermediary companies to provide the theoretical basis for sustainable development.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3

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