江苏国寿团体保险业务发展战略研究

发布时间：2018-06-30 02:05

本文选题：江苏国寿 + 团体业务　；参考：《南京大学》2013年硕士论文

【摘要】：随着中国经济增速出现回落,资本市场持续低迷,中国的保险行业增速大幅放缓,各大保险公司的承保业务与投资收益均遇到前所未有的挑战。同时随着银行系保险公司的异军突起、银行理财产品持续对银行渠道构成威胁以及行业面临较大的退保与满期给付压力以及,竞争态势日趋激烈。面对激烈的银行保险渠道市场竞争和日渐饱和的个人营销市场,各大保险公司纷纷抓紧进行渠道创新与转型,加大团险渠道建设加强团险业务发展列为自己的重点战略目标。江苏作为经济和文化大省,政府、社会、企业、民众的保障意识较强,同时随着十八大把改善民生作为一项重要议题以及社会保障体系不断建设与完善,必将推动江苏团体保险业务的发展进入一个新的阶段。在这样一个发展关键时期,江苏国寿面对新的行业格局和发展契机,研究制定科学的团体保险业务市场发展战略迫在眉睫。企业的经营战略决定了企业经营发展的方向和经营目标的实现,本文综合运用企业管理学科的理论知识,对江苏国寿团体保险业务市场进行战略分析、选择和实施,为江苏国寿竞争江苏团险市场的战略制定和实施提供参考。本文首先综合运用PEST分析法对江苏国寿团体保险市场外部宏观环境予以分析,从国内外经济、人口地域、行业发展趋势等方面深入探讨对团体保险业的影响；借助波特“五力模型”理论分析工具,对影响企业的潜在进入者、替代品、供应商议价、消费者议价能力,行业内竞争力量进行分析,并根据其强弱对比和对企业的影响大小,分析应采用的战略。其次对江苏国寿在团体保险业务市场的优劣势进行分析,从企业市场、政府合作市场、业务效益和结构等诸多方面展开深入分析并通过内部因素评价矩阵进行赋值评价比较,确定企业内部各因素对企业的影响程度；对面临的主要发展机遇和重大威胁进行分析,并通过外部因素评价矩阵进行赋值评价比较,确定企业面临的各种机遇威胁对企业的影响程度。综合上述分析,运用SWOT分析法对企业的优劣势、机遇威胁进行分析比较,提出江苏国寿团体保险业务市场发展应该采取差异化为主的竞争战略并提出具体战略。最后在战略实施层面,从平台搭建、队伍建设、技术与服务三个方面对江苏国寿团体保险的业务发展举措给出了详细的论述和实施建议。
[Abstract]:As China's economic growth slows and capital markets remain sluggish, the country's insurance industry slows sharply, and insurers face unprecedented challenges in their underwriting operations and investment returns. At the same time, with the emergence of insurance companies, banking financial products continue to pose a threat to the banking channel and the industry is facing greater pressure to withdraw insurance and full payment, and the competition situation is becoming increasingly fierce. In the face of fierce competition in the bancassurance channel market and the increasingly saturated personal marketing market, the major insurance companies pay close attention to channel innovation and transformation, and strengthen the group insurance channel construction and development of the syndicated insurance business as their key strategic objectives. Jiangsu, as a major economic and cultural province, has a strong sense of security for the government, society, enterprises and people. At the same time, with the 18th National Congress of the CPC as an important issue and the social security system constantly building and improving, Will push Jiangsu group insurance business development to enter a new stage. In such a critical period of development, Jiangsu Guoshou faced with a new industry pattern and development opportunities, research and formulation of scientific group insurance business market development strategy is urgent. The management strategy of the enterprise determines the direction of the business development and the realization of the management goal. This paper synthetically uses the theory knowledge of the business management discipline to carry on the strategic analysis, the choice and the implementation to the Jiangsu Guoshou group insurance business market. It provides a reference for Jiangsu National Insurance Company to make and implement the strategy of Jiangsu Group Insurance Market. In this paper, the author analyzes the external macro environment of Jiangsu Guoshou group insurance market by using pest analysis method, and probes into the influence on the group insurance industry from the aspects of domestic and foreign economy, population region, industry development trend and so on. With the help of Porter's "five Force Model" theory analysis tool, this paper analyzes the potential entrants, substitutes, suppliers' bargaining power, consumers' bargaining power and the competitive power in the industry, and according to the comparison of their strength and weakness and the size of the influence on the enterprises, the paper analyzes the potential entrants, substitutes, suppliers' bargaining power and the competitive power in the industry. Analysis of strategies to be adopted. Secondly, it analyzes the merits and demerits of Jiangsu Guoshou in the group insurance business market, analyzes the enterprise market, the government cooperative market, the business benefit and the structure and so on, and evaluates and compares the valuation through the internal factor evaluation matrix. To determine the degree of influence of internal factors on enterprises, to analyze the major development opportunities and major threats, and to evaluate and compare the external factors through the evaluation matrix. Determine the impact of various opportunities and threats on the enterprise. Based on the above analysis, SWOT analysis method is used to analyze and compare the advantages and disadvantages of enterprises and the opportunities and threats. The author puts forward that Jiangsu Guoshou Group Insurance Market should adopt a differentiated competitive strategy and put forward specific strategies. Finally, in the strategic implementation level, from the platform building, team building, technology and service three aspects of Jiangsu Guoshou group insurance business development measures are discussed in detail and implementation suggestions.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3

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