中资中小产险公司发展问题研究

发布时间：2018-06-16 13:58

本文选题：中资中小产险公司 + 生存现状　；参考：《广西大学》2015年硕士论文

【摘要】：随着我国经济的快速发展和市场的逐步开放,产险市场持续高速增长,大量新公司进入市场。但是近年来产险市场的市场集中度并未明显下降,产险公司之间呈现出“两极分化”趋势：大公司规模效益双丰收,大量中小公司却陷入盈利艰难、规模徘徊不前的“中等规模困境”。如何改善中小产险公司的发展环境、促进其健康发展成为我国保险业面临的一个重要问题。本文以中资中小产险公司为研究对象,首先介绍中资中小产险公司的发展历程和基本情况,然后按照发现问题、解决问题的思路,以2012年数据为样本,从业务发展、盈利能力、成本控制、风险、投资能力、机构和人员七个方面对中资中小产险公司进行了量化分析,使用雷达图对中资中小产险公司的生存现状进行了综合评价,并总结了中资中小产险公司普遍存在的问题；之后从宏观环境、行业环境和竞争环境三个层面,分析了中资中小产险公司面临的外部环境,最后提出了促进中资中小产险公司发展的建议：中资中小产险公司要确定自己的定位,选择恰当的竞争战略,加强内部管理,提高经营效率,引进外部资源,加快发展。
[Abstract]:With the rapid development of China's economy and the gradual opening of the market, the property insurance market continues to grow at a high speed, and a large number of new companies enter the market. However, the market concentration in the property insurance market has not decreased significantly in recent years, and there is a trend of "polarization" among the property insurance companies: large companies have a good harvest of economies of scale, but a large number of small and medium-sized companies are struggling to make a profit. The "medium scale dilemma" of scale. How to improve the development environment of small and medium-sized property insurance companies and promote their healthy development has become an important problem facing our insurance industry. This paper takes the small and medium-sized property insurance companies of China as the research object, first introduces the development history and basic situation of the small and medium-sized property insurance companies in China, then according to the idea of finding problems and solving the problems, taking the data of 2012 as the sample, from the business development, profitability, Seven aspects of cost control, risk, investment ability, institutions and personnel are analyzed quantitatively to Chinese small and medium-sized property insurance companies, and the survival status of Chinese small and medium-sized property insurance companies is comprehensively evaluated by using radar map. Then, from three aspects of macro environment, industry environment and competition environment, the paper analyzes the external environment faced by small and medium-sized property insurance companies in China. Finally, the paper puts forward some suggestions to promote the development of small and medium-sized property insurance companies in China: Chinese small and medium-sized property insurance companies should determine their own position, choose appropriate competitive strategy, strengthen internal management, improve management efficiency, introduce external resources, and accelerate development.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F842.3

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