人保财险甘肃省分公司大病保险业务竞争力研究

发布时间：2018-06-12 12:53

本文选题：人保财险 + 甘肃省分公司　；参考：《兰州大学》2014年硕士论文

【摘要】：近些年来,伴随着甘肃省经济快速增长,人口老龄化水平也不断提高。人民生活水平不断提高的同时,对于医疗服务的需求量也不断增长,对于重大疾病保险的需求量也不断增加。以往的社会保障体制下,较低的保障水平已经不能满足居民的需要。为了应对这一问题,2012年以来中央部委连续出台对于开展城乡居民大病保险工作的文件,甘肃省政府也顺势出台了相关文件将城乡居民大病保险工作提上日程。一方面,城乡居民大病保险业务的开展,可以融合政府、商业保险机构和医疗机构三方之力,共同分担城乡居民的健康风险。另一方面,城乡居民大病保险业务的开展和重大疾病保险定价技术的不断成熟,也为甘肃省重大疾病保险业务的发展带来了良好的契机。本文通过对第一批中标的人保财险甘肃省分公司的城乡居民大病保险业务和重大疾病保险业务竞争力的研究,提出了一些建议,期望能对人保财险甘肃省分公司对大病保险业务提供有益的思考,能对人保财险甘肃省分公司的大病保险业务竞争力提升有促进作用。本文的研究主要包括五个部分。第一部分主要介绍研究背景与意义以及研究思路与方法。第二部分概述保险企业竞争力相关理论,为本文的相关研究奠定理论基础。第三部分概述人保财险甘肃省分公司的大病保险业务并对其竞争力进行简单评价。第四部分使用SWOT模型对人保财险甘肃省分公司大病保险业务的潜在竞争力进行具体分析。第五部分从产品、服务、风险管理和人才四个方面提出建议。
[Abstract]:In recent years, with the rapid economic growth of Gansu Province, the aging level of the population is also increasing. With the improvement of people's living standards, the demand for medical services and insurance for major diseases is also increasing. Under the previous social security system, the lower level of security has been unable to meet the needs of the residents. In order to deal with this problem, since 2012, the central ministry has issued a series of documents on the development of serious illness insurance for urban and rural residents, and the Gansu Provincial Government has also issued relevant documents to put the work of serious illness insurance in urban and rural areas on the agenda. On the one hand, the development of urban and rural residents' serious illness insurance business can integrate the government, commercial insurance institutions and medical institutions to share the health risks of urban and rural residents. On the other hand, the development of urban and rural residents' serious illness insurance business and the continuous maturity of pricing technology of major disease insurance also bring a good opportunity for the development of major disease insurance business in Gansu Province. Based on the study of the competitiveness of the urban and rural residents' serious illness insurance business and the major disease insurance business of the first batch of PICC branches in Gansu Province, this paper puts forward some suggestions. It is expected that it can provide beneficial thinking to PICC Gansu Branch on the serious illness insurance business and promote the competitiveness of PICC Gansu Branch's serious illness insurance business. The research of this paper mainly includes five parts. The first part mainly introduces the research background and significance, as well as research ideas and methods. The second part summarizes the relevant theories of insurance enterprise competitiveness, and lays a theoretical foundation for the relevant research of this paper. The third part summarizes the serious illness insurance business of PICC Gansu Branch and makes a simple evaluation on its competitiveness. In the fourth part, SWOT model is used to analyze the potential competitiveness of PICC's serious illness insurance business in Gansu Province. The fifth part puts forward suggestions from four aspects: product, service, risk management and talent.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.684;F842.3

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