关于中国平安财产保险公司发展董事责任险业务的研究

发布时间：2018-06-10 01:05

本文选题：平安产险 + 董事责任险　；参考：《吉林财经大学》2016年硕士论文

【摘要】：董事责任险是指董事及高级职员责任保险,是职业责任保险领域对经济发展作用最显著的子险种。其作用机理和涵盖的基础理论与一般的职业责任保险是重合的,但是,在经济环境和法律制度的几经变革下又发展出自己的独特内涵。我国自2002年由平安产险和万科企业股份有限公司签订董事责任险首份保单,其后历经十几年发展,董事责任险市场也随之成熟,但受制于外界环境的多重影响和制约,其普及程度和实际效果难以匹配金融市场的高速发展。平安产险创新发展的经营理念和勇于创新的进取精神使其在责任险产品开发方面一直保持着较高的热情,一直作为市场上最有潜力、最有意愿、最有可能在董事责任险领域有所作为的中资公司。因此,本文从公司治理的角度,立足平安产险自身情况和行业环境,以期为平安产险提出切实可行的思路和措施。文章首先整合了学术和实务两方面的观点,对董事责任险的概念、特征、基本流程进行了系统的阐述。在此基础上,从战略、销售、市场认知层面揭示平安产险发展董事责任险的现状和问题,并通过运用PEST分析法,指出平安产险发展董事责任险的环境情况。最后,结合其优势和劣势分析出平安产险的思路和措施,在宏观思路上针对内部环境对董事责任险进行战略定位、针对国内环境呼吁立法配合、针对行业环境提高社会保险意识,在具体策略上通过人才、产品、平台三个方向提升董事责任险业务,以此作为平安产险在财产保险领域拓展非车险业务的新契机。
[Abstract]:Director liability insurance refers to directors and officers liability insurance, which plays the most significant role in economic development in the field of occupational liability insurance. Its working mechanism and basic theory are consistent with the general occupational liability insurance, but it develops its own unique connotation after several changes in the economic environment and legal system. Since 2002, China signed the first director's liability insurance policy by Ping an property Insurance Company and Vanke Enterprise Co., Ltd. After more than ten years of development, the directors' liability insurance market has matured, but it is subject to the influence and restriction of the external environment. Its popularity and practical results are difficult to match the rapid development of financial markets. Ping an property insurance innovation and development of the business philosophy and the courage to innovate enterprising spirit has been in the liability insurance product development has maintained a higher enthusiasm, has been as the most potential in the market, the most willing, The most likely in the area of director liability insurance in the area of Chinese companies. Therefore, this paper, from the perspective of corporate governance, based on the situation of Ping an property insurance itself and the industry environment, in order to put forward practical ideas and measures for Ping an property insurance. This paper first integrates the academic and practical viewpoints, and expounds systematically the concept, characteristics and basic flow of directors liability insurance. On this basis, this paper reveals the present situation and problems of the director's liability insurance in Ping an property insurance development from the aspects of strategy, sales and market cognition, and points out the environmental situation of developing director's liability insurance by using pest analysis method. Finally, combined with its advantages and disadvantages to analyze the Ping an property insurance ideas and measures, in the macro thinking for the internal environment of directors liability insurance strategic positioning, in view of the domestic environment to appeal for legislative cooperation, In view of the industry environment raise the social insurance consciousness, in the concrete strategy through the talented person, the product, the platform three direction promotion director liability insurance service, takes this as the ping an property insurance in the property insurance domain expands the non-automobile insurance service the new opportunity.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F842.69

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