我国中外资保险公司核心竞争力比较研究

发布时间：2019-01-25 08:24

【摘要】：近年来,中国保险市场逐步拓展对外开放的深度和广度,外资保险公司大规模进驻我国,中外资保险公司之间的竞争程度愈发激烈,竞争的市场环境日趋公平。客观来看,外资保险公司的扩张虽然给民族保险业造成了威胁,但同时也带来了先进的管理理念和运作方式。中资保险公司在明确自身相对于外资公司优劣势的前提下,以影响保险公司核心竞争力的各方面因素为依据,有效分析在核心竞争力方面的优点和不足之处,借鉴外资保险公司在中国保险市场成功经营的有效经验,结合中国保险市场的实际需求和现实条件,才能做到有针对性地培育和发展核心竞争力。本文对保险公司核心竞争力的内涵进行界定,选取中外资大型保险公司和中小新兴保险公司各10家作为我国保险市场的标杆公司,依据核心竞争力的内外部影响因素以及中外资保险公司在我国保险市场经营发展的实际情况,建立保险公司核心竞争力的评价指标体系,应用聚类分析法、主成分分析法和因子分析法,得出了各保险公司在发展、规模、稳定、营运因子以及综合评价上的得分与排名,并对实证结果进行了详细分析,以期为中资保险公司找到有效提升核心竞争力的途径和民族保险业健康快速发展提供理论和实践上的意见和建议。本文认为,中资保险公司培育和发展核心竞争力可以从以下几点切入：提倡保险创新,优化两核技术；扩大资本规模,增强偿付能力；注重人才培养,完善企业文化；提高保险资金使用率,强化品牌建设。
[Abstract]:In recent years, China's insurance market has gradually expanded the depth and breadth of opening to the outside world, foreign insurance companies are stationed in China on a large scale, the competition between Chinese and foreign insurance companies is becoming more and more fierce, and the competitive market environment is becoming more and more fair. Objectively, although the expansion of foreign insurance companies has posed a threat to the national insurance industry, it has also brought advanced management concepts and operation methods. On the premise of defining the advantages and disadvantages of Chinese insurance companies in comparison with foreign companies, and based on the factors affecting the core competitiveness of insurance companies, the advantages and disadvantages of the core competitiveness of Chinese insurance companies are analyzed effectively. Only by referring to the effective experience of successful operation of foreign insurance companies in Chinese insurance market and combining with the actual demand and practical conditions of China's insurance market can we cultivate and develop the core competitiveness in a targeted way. This paper defines the connotation of the core competitiveness of insurance companies, and selects 10 large insurance companies and 10 small and medium-sized emerging insurance companies each as the benchmark companies in our insurance market. According to the internal and external factors of core competence and the actual situation of the management and development of Chinese and foreign insurance companies in China's insurance market, the evaluation index system of the core competitiveness of insurance companies is established, and the cluster analysis method is applied. Principal component Analysis (PCA) and Factor Analysis (FEA) have obtained the scores and rankings of the insurance companies in terms of development, scale, stability, operational factors and comprehensive evaluation, and analyzed the empirical results in detail. In order to find an effective way to enhance the core competitiveness of Chinese insurance companies and the healthy and rapid development of the national insurance industry to provide theoretical and practical advice. This paper holds that the cultivation and development of core competitiveness of Chinese insurance companies can be carried out from the following aspects: advocating insurance innovation, optimizing the two nuclear technologies, expanding the scale of capital, enhancing solvency, paying attention to the cultivation of talents and perfecting the corporate culture; Improve the use of insurance funds, strengthen brand building.
【学位授予单位】：海南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3

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