我国寿险公司竞争力评价体系的构建及应用

发布时间：2018-06-15 23:09

本文选题：企业竞争力 + 寿险公司　；参考：《哈尔滨商业大学》2014年硕士论文

【摘要】：随着我国进入老龄化社会步伐的加快,养老问题将逐渐变为社会主要问题,养老险对于该问题的解决将起到重要作用。寿险公司是寿险业的主要承担者,在我国金融市场全面对外开放的今天,寿险公司已置身于国际竞争的大环境下,研究我国寿险公司在国际竞争中的地位对我国整个寿险业的发展意义重大。学术界研究竞争力的成果已经很多,根据所处的阶段和环境不同,研究所侧重的方面也有所不同,主要有以下三种理论成果：市场定位伦、资源差异伦、能力竞争论。综合三种理论对竞争力的定义,结合寿险公司的经营特性,本文将寿险公司竞争力定义为寿险公司对自身内外部资源进行优化整合,比对手更能够高效持续经营的综合能力,包括公司盈利能力、人力资本、发展能力、规模实力、偿付能力和持续经营能力等方面。竞争力评价就是运用科学的评价方法对公司各方面进行综合评价,学术界运用于竞争力评价的方法主要有模糊评价、层次分析、灰色关联、因子分析等方法,因子分析法在进行竞争力评价时权重由客观计算给出,避免了主观赋值对结果带来的偏差；因子分析法在构建竞争力评价体系时可以将大量原始数据信息进行有效简化,提取出影响公司竞争力的重要方面,更直观的看到公司竞争力的优劣势所在。本文借鉴现有竞争力评价指标体系,分别从从规模实力、人力资本等六个方面选取了22个指标构建寿险公司竞争力的指标体系,以有两个以上完整经营年度且数据披露完整的47家中外寿险公司为样本,经过多次测算最终由15个指标构建出评价模型,根据该模型计算各寿险公司因子及综合竞争力得分并排序,根据实证结果得出我国寿险公司在规模实力方面存在明显的优势,但在险种创新和偿付能力方面与外资公司有着明显差距。根据实证结果,为了提高我国寿险公司的竞争力,本文从提高服务质量、加大创新力度等六个方面给出了一些对策建议。
[Abstract]:With the acceleration of China's aging society, the pension problem will gradually become the main social problem, pension insurance will play an important role in solving this problem. Life insurance companies are the main carriers of the life insurance industry. Today, when our financial markets are fully open to the outside world, life insurance companies have been placed in an environment of international competition. It is of great significance to study the status of Chinese life insurance companies in the international competition for the development of the whole life insurance industry in China. There are many achievements in the academic research on competitiveness. According to the stage and environment, the research focuses on different aspects. There are three main theoretical achievements: market positioning, resource differentiation, ability competition theory. Based on the definition of competitiveness in three theories and the management characteristics of life insurance companies, this paper defines the competitiveness of life insurance companies as the comprehensive ability of life insurance companies to optimize and integrate their internal and external resources and to be more efficient and sustainable than their competitors. Including profitability, human capital, development capacity, scale strength, solvency and going-on ability, and so on. The evaluation of competitiveness is to use scientific evaluation methods to evaluate all aspects of the company. The methods used in the evaluation of competitiveness in academic circles include fuzzy evaluation, hierarchical analysis, grey correlation, factor analysis and so on. The weight of factor analysis method is given by objective calculation in order to avoid the deviation of subjective assignment to the result, factor analysis method can simplify a large number of raw data information effectively in the construction of competitiveness evaluation system. Extract the important aspects that affect the competitiveness of the company, and see the advantages and disadvantages of the competitiveness more intuitively. Based on the existing competitiveness evaluation index system, this paper selects 22 indexes from six aspects, such as scale strength and human capital, to construct the index system of life insurance company's competitiveness. Taking 47 Chinese and foreign life insurance companies with more than two complete operating years and complete data disclosure as samples, the evaluation model was constructed by 15 indexes after many calculations. According to the model, the factors of life insurance companies and the scores of comprehensive competitiveness are calculated and ranked. According to the empirical results, it is concluded that the life insurance companies in China have obvious advantages in terms of scale strength. But in insurance innovation and solvency with foreign companies have a clear gap. According to the empirical results, in order to improve the competitiveness of our country's life insurance companies, this paper puts forward some countermeasures and suggestions from six aspects, such as improving service quality and strengthening innovation.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3;F271

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