基于因子分析的我国寿险公司竞争力比较分析
发布时间：2019-05-14 01:12
【摘要】：一个国家和地区发展水平高低的标志之一就是保险在人们生活中的地位。在如今这个社会，谈保险色变的人不在少数。保险这个在国外发展历史悠久而且在国民生产活动中占据重要地位的行业，在中国依旧属于新兴行业。近几年来，我国保险行业发展迅速，无论是从保费规模，还是从保险公司数量上，都有着很大的发展。保险业不仅可以为居民和企业提供风险补偿，为居民生活保驾护航，而且可以进行资金的融通，维持社会稳定。 我国的保险行业起步较晚，不论从保险深度还是保险密度方面，我国与发达国家和地区都有着很大的差异。保险公司作为我国资本市场的主体和金融行业的重要组成部分，，其竞争力水平的高低直接影响到我国的综合实力，因此，努力提高我国保险公司的竞争力水平已经成为一项重大而迫切的任务，对我国金融市场发展具有重要而深远的意义。 本文主要介绍了我国人寿保险公司的发展及现状，并根据五力模型介绍了我国寿险公司竞争力的构成要素，从公司的规模、公司的经营能力、成长发展能力以及风险控制能力这四项指标来评价寿险公司的竞争力。根据指标体系建立原则从11个方面建立竞争力评价体系。在2012年中国保险统计年鉴中选取了全部69家寿险公司，作为总体，并抽取数据较齐全的50家作为样本，在2008-2012保险统计年鉴中选取直接和间接数据进行因子分析，最后分别从公司的规模、公司的投资收益能力、公司的保费增长能力、公司的人力资源报酬能力四个方面分析了我国现阶段寿险公司的竞争力，并得出结论。我国寿险公司现阶段总体发展水平不尽如人意，两级分化现象严重，垄断性较强，合资公司和股份制公司发展所遇瓶颈较多，在我国刚刚兴起的健康险公司起步艰难，前景不容乐观。并根据以上结论，从我国宏观市场角度和公司企业角度提出提高竞争力的建议和对策。
[Abstract]:One of the symbols of the level of development of a country and region is the position of insurance in people's lives. In today's society, there are not a few people who talk about insurance color change. Insurance, which has a long history in foreign countries and occupies an important position in national production activities, is still a new industry in China. In recent years, the insurance industry in China has developed rapidly, both in terms of premium scale and the number of insurance companies. The insurance industry can not only provide risk compensation for residents and enterprises, protect the lives of residents, but also carry out the financing of funds and maintain social stability. China's insurance industry started late, no matter from the depth of insurance and insurance density, there are great differences between China and developed countries and regions. As the main body of China's capital market and an important part of the financial industry, the level of competitiveness of insurance companies directly affects the comprehensive strength of our country. Therefore, It has become an important and urgent task to improve the competitiveness of insurance companies in China, which is of great and far-reaching significance to the development of China's financial market. This paper mainly introduces the development and present situation of life insurance companies in China, and introduces the constituent elements of the competitiveness of life insurance companies in China according to the five-force model, from the scale of the company and the management ability of the company. The four indexes of growth and development ability and risk control ability are used to evaluate the competitiveness of life insurance companies. According to the establishment principle of index system, the competitiveness evaluation system is established from 11 aspects. In the 2012 China Insurance Statistical Yearbook, all 69 life insurance companies were selected as the whole, and 50 with complete data were taken as samples, and the direct and indirect data were selected for factor analysis in the 2008 / 2012 insurance statistical yearbook. Finally, this paper analyzes the competitiveness of life insurance companies in China from four aspects: the scale of the company, the investment income ability of the company, the premium growth ability of the company and the reward ability of human resources of the company, and draws a conclusion. At this stage, the overall development level of life insurance companies in China is not satisfactory, the phenomenon of two-level differentiation is serious, the monopoly is strong, the development of joint ventures and joint-stock companies has encountered many bottlenecks, and the health insurance companies that have just emerged in our country have a difficult start. The prospect is not optimistic. According to the above conclusions, this paper puts forward some suggestions and countermeasures to improve the competitiveness from the perspective of macro market and corporate enterprises in China.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3;F271
本文编号：2476325
[Abstract]:One of the symbols of the level of development of a country and region is the position of insurance in people's lives. In today's society, there are not a few people who talk about insurance color change. Insurance, which has a long history in foreign countries and occupies an important position in national production activities, is still a new industry in China. In recent years, the insurance industry in China has developed rapidly, both in terms of premium scale and the number of insurance companies. The insurance industry can not only provide risk compensation for residents and enterprises, protect the lives of residents, but also carry out the financing of funds and maintain social stability. China's insurance industry started late, no matter from the depth of insurance and insurance density, there are great differences between China and developed countries and regions. As the main body of China's capital market and an important part of the financial industry, the level of competitiveness of insurance companies directly affects the comprehensive strength of our country. Therefore, It has become an important and urgent task to improve the competitiveness of insurance companies in China, which is of great and far-reaching significance to the development of China's financial market. This paper mainly introduces the development and present situation of life insurance companies in China, and introduces the constituent elements of the competitiveness of life insurance companies in China according to the five-force model, from the scale of the company and the management ability of the company. The four indexes of growth and development ability and risk control ability are used to evaluate the competitiveness of life insurance companies. According to the establishment principle of index system, the competitiveness evaluation system is established from 11 aspects. In the 2012 China Insurance Statistical Yearbook, all 69 life insurance companies were selected as the whole, and 50 with complete data were taken as samples, and the direct and indirect data were selected for factor analysis in the 2008 / 2012 insurance statistical yearbook. Finally, this paper analyzes the competitiveness of life insurance companies in China from four aspects: the scale of the company, the investment income ability of the company, the premium growth ability of the company and the reward ability of human resources of the company, and draws a conclusion. At this stage, the overall development level of life insurance companies in China is not satisfactory, the phenomenon of two-level differentiation is serious, the monopoly is strong, the development of joint ventures and joint-stock companies has encountered many bottlenecks, and the health insurance companies that have just emerged in our country have a difficult start. The prospect is not optimistic. According to the above conclusions, this paper puts forward some suggestions and countermeasures to improve the competitiveness from the perspective of macro market and corporate enterprises in China.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3;F271
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