我国中小保险公估机构发展战略研究

发布时间：2018-06-07 17:09

本文选题：中小保险公估机构 + 发展　；参考：《华侨大学》2014年硕士论文

【摘要】：保险公估是完整的保险市场的重要组成部分，具有独立性、公正性的特征，可以有效减少保险当事人之间的纠纷，提高保险市场的整体效率。在发达国家，保险公估已经成为保险行业的惯例。近年来，我国保险公估行业发展缓慢，中小保险公估机构经营困难。正确选择发展战略，对中小保险公估机构尤其重要。本文通过比较保险公估与其他保险中介机构和其他资产评估机构的差异，以及中外保险公估制度的差异，对我国保险公估制度现状进行了研究，并进一步对保险公估的法律地位进行分析。通过调查法，从行业现状、宏观环境、行业环境等方面，，对保险公估行业的竞争环境进行分析。通过比较法，分析中小保险公估机构在竞争中的优势和劣势。根据这些研究，本文提出了适合中小保险公估机构的几种战略思路，以及这些战略的实施与控制方法。通过调查和研究，我国保险公估行业发展缓慢的主要原因是公众保险索赔意识薄弱和保险公司排斥造成的有效需求不足，以及保险公估服务产品线窄造成的有效供给不足。保险公估行业的发展受到来自保险公司后向一体化、人才流失等诸多方面的威胁。我国保险公估行业机构规模小、地区发展不均衡和集中度高的特点。中小保险公估机构由于服务网点少、技术力量薄弱等缺点，在竞争中居于劣势地位，同时也具有运营成本低、良好的区域性品牌等优势。本文创新性地提出了适合中小保险公估机构的三种发展战略：公共公估人战略、专业化经营战略、战略联盟式战略；并提出，在实施战略过程中应坚持独立公正、构建专业优势、提高管理效率、建设诚信文化。本课题研究有助于保险公估机构和从业人员正确认识保险公估制度和行业环境、正确选择和实施发展战略，对中小保险公估机构改善经营管理具有借鉴意义。
[Abstract]:Insurance valuation is an important part of a complete insurance market, which has the characteristics of independence and impartiality, which can effectively reduce the disputes between the insurance parties and improve the overall efficiency of the insurance market. In developed countries, insurance valuation has become the practice of the insurance industry. In recent years, the development of insurance evaluation industry in China is slow, and the management of small and medium insurance evaluation institutions is difficult. It is especially important for the small and medium-sized insurance evaluation institutions to choose the development strategy correctly. This paper compares the differences between insurance valuation and other insurance intermediary organizations and other asset evaluation institutions, as well as the differences between Chinese and foreign insurance valuation systems. The present situation of insurance evaluation system in China is studied, and the legal status of insurance evaluation is further analyzed. This paper analyzes the competitive environment of insurance evaluation industry from the aspects of industry status, macro environment and industry environment through investigation method. Through the comparative method, this paper analyzes the advantages and disadvantages of the small and medium insurance evaluation institutions in the competition. Based on these studies, this paper puts forward several strategic ideas suitable for small and medium-sized insurance assessment institutions, and the methods of implementing and controlling these strategies. The main reasons for the slow development of insurance valuation industry in China are the weak awareness of public insurance claims, the insufficient effective demand caused by the exclusion of insurance companies, and the shortage of effective supply caused by the narrow product line of insurance valuation services. The development of insurance valuation industry is threatened by the backward integration of insurance companies and brain drain. The insurance evaluation industry in China is characterized by small scale, uneven regional development and high concentration. Because of the shortcomings of small and medium-sized insurance evaluation agencies, such as fewer service outlets and weak technical force, they are in a disadvantaged position in the competition, and also have low operating costs. Good regional brand and other advantages. This paper innovatively puts forward three development strategies suitable for small and medium insurance evaluation institutions: public assessor strategy, specialized management strategy, strategic alliance strategy, and puts forward, In the process of carrying out the strategy, we should insist on independence and impartiality, construct professional advantage, improve management efficiency, and build a culture of honesty and trustworthiness. This research is helpful for insurance evaluation institutions and practitioners to correctly understand the insurance evaluation system and industry environment. The correct choice and implementation of development strategy can be used for reference to improve the management of small and medium-sized insurance evaluation institutions.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3

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