我国保险业国际竞争力分析

发布时间：2018-06-17 17:51

本文选题：保险业 + 国际竞争力　；参考：《安徽大学》2017年硕士论文

【摘要】：保险业成为当前经济增长中关键的组成部分,是进行风险防范的有效途径,也是一国(或地区)经济实力增强和生活水平不断改善的展现。保险业不仅能对居民的生活起到护航作用,而且还是企业进行风险补偿的有效工具,同时对维持一个国家的稳定也起到一定的作用。随着一个国家的不断发展与进步,城乡居民通过购买保险来转嫁自身风险的意识不断增强。20世纪80年代以来,随着我国保险业的大门逐步向世界打开,我国保险业发展不断加快,保费规模不断扩大,保险市场主体不断增加,保险服务能力不断提升,2016年我国保费收入超越日本,世界排名第二。然而因为我国保险业开始的时间比较晚,和发达国家相比保险深度和保险密度都比较低。随着保险业国际竞争趋势不断加剧,分析保险业竞争力,不仅有利于保险监管部门更好地有效监督,而且有利于保险业有针对性的解决自身不足,对我国保险业更进一步的提高具有重要意义。本文采用理论和实证两种方法研究我国保险业的发展现状和竞争力水平。首先是介绍了涉及到的相关理论,接着分析了现阶段我国保险业的相关状况,采用不同的分析指标将我国保险业的竞争力水平与其他国家进行对比,通过对比可以得出我国保险行业的竞争优势在国际市场上不具有显著优势,对比得出我国保险业国际竞争力长期处于劣势。其次对从国内市场上选取的56个寿险企业展开竞争优势方面的比较,得出我国的保险企业在发展规模上具有一定实力,但是综合竞争力与发达国家相比存在一定的差距,仍然有待进一步提高。再次,选取国内市场上43家财险公司展开竞争优势方面的比较,得出我国财险企业在市场规模上具有一定优势,外资公司在偿付能力上更具有优势。随后,结合波特"钻石模型"分析方法,归纳总结与我国保险业竞争力水平有着密切联系的相关因素,并进行回归分析,了解不同因素的影响程度。最后,为了促进我国保险业的科学发展和竞争力水平的提高,根据分析的结论为发现的问题提出相应解决方法。
[Abstract]:The insurance industry has become a key component of the current economic growth, is an effective way to prevent risks, and is also the manifestation of a country (or region) economic strength strengthening and living standard improving. Insurance industry can not only protect the life of residents, but also play an effective role in risk compensation, and also play a certain role in maintaining the stability of a country. With the continuous development and progress of a country, the awareness of urban and rural residents to pass on their own risks by buying insurance has been continuously strengthened. Since the 1980s, the door of our insurance industry has gradually opened to the world. The development of insurance industry in China is accelerating, the scale of insurance premium is expanding, the main body of insurance market is increasing, and the ability of insurance service is being improved. In 2016, China's premium income surpassed that of Japan, ranking second in the world. However, the insurance industry in China started late, and compared with the developed countries, the insurance depth and insurance density are lower. With the increasing trend of international competition in the insurance industry, analyzing the competitiveness of the insurance industry is not only conducive to better and effective supervision of the insurance regulatory authorities, but also conducive to the insurance industry to solve its own shortcomings. It is of great significance to the further improvement of China's insurance industry. This paper studies the present situation and competitive level of insurance industry in China by both theoretical and empirical methods. First of all, it introduces the related theories, then analyzes the current situation of China's insurance industry, and compares the competitiveness of China's insurance industry with other countries by using different analysis indicators. It is concluded that the competitive advantage of China's insurance industry does not have significant advantages in the international market, and that the international competitiveness of China's insurance industry is at a disadvantage for a long time. Secondly, by comparing the competitive advantages of 56 life insurance enterprises selected from the domestic market, it is concluded that the insurance enterprises in our country have a certain strength in the development scale, but there is a certain gap between the comprehensive competitiveness and the developed countries. There is still room for further improvement. Thirdly, we select 43 financial insurance companies in the domestic market to compare their competitive advantages, and draw a conclusion that Chinese property insurance companies have certain advantages in market scale, and foreign companies have more advantages in solvency. Then, combined with Porter's Diamond Model, the author summarizes the related factors which are closely related to the competitiveness of insurance industry in China, and carries out regression analysis to understand the influence of different factors. Finally, in order to promote the scientific development and competitiveness of China's insurance industry, according to the conclusion of the analysis, the corresponding solutions for the problems found are put forward.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842

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