中邮人寿保险公司竞争战略分析与对策

发布时间：2018-05-16 17:18

本文选题：邮政保险 + 竞争战略　；参考：《天津大学》2016年硕士论文

【摘要】：保险是现代社会金融体系中的重要产业,防范社会风险的基本手段,同样它也是社会文明程度、经济发展水平以及社会治理能力的标志自1995年中国邮政开展代理保险业务以来,历经20余载,在收获了良好的经营业绩同时,也积累了丰富的保险从业经验。2009年9月,经过三年左右的筹建与准备,由中国邮政集团控股的保险公司-中邮人寿保险股份有限公司(简称中邮保险)正式挂牌成立。中邮保险主营业务是人身保险产品,基于此本文将以人身保险作为切入点展开具体研究。通过运用外部环境的PEST分析法,分析得出中邮保险竞争战略定位为“服务基层、服务三农”并独创“自营+代管”特色模式。通过运用SWOT分析工具,分析得出目前中邮保险存在专业管理人才匮乏、销售渠道单一,产品种类较少、体制机制不健全等方面的劣势。如何在行业竞争中提高核心竞争力,如何从变化的环境形势中把握机遇,在激烈的市场竞争中找准位置,是中邮保险需要高度重视的问题。本文通过竞争战略分析,认为中邮保险应该充分发挥邮银渠道的作用,提高邮银渠道经营质效,完善个险、团险业务功能,强化个险、团险配套建设,积极探索电子商务、互联网销售渠道,构建全功能业务体系生态圈,发挥渠道协同效应、实现巩固市场、提升价值的目标。为实现中邮保险的竞争战略,本文提出通过资源有效投入、完善运营优化、构建服务平台、提高执行力和完善内部控制等五个方面提出对策方案,确保竞争战略的顺利实施。
[Abstract]:Insurance is an important industry in the modern social financial system. It is a basic means to prevent social risks. It is also a symbol of the degree of social civilization, the level of economic development and the ability of social governance since China Post began its agency insurance business in 1995. After more than 20 years, in the harvest of good business performance, but also accumulated a wealth of insurance experience. September 2009, after about three years of preparation and preparation, China Post Group controlled insurance company-China Post Life Insurance Co., Ltd. (abbreviated to China Post Insurance) was formally established. The main business of China Post Insurance is personal insurance product. Based on this, this paper will take personal insurance as the starting point to carry out specific research. By using the PEST analysis method of external environment, it is concluded that the competitive strategy of China Post Insurance is "serving the grass roots, serving agriculture, countryside and farmers" and creating the characteristic mode of "self-management". By using the SWOT analysis tool, it is concluded that there are some disadvantages in China Post Insurance at present, such as lack of professional management personnel, single sales channel, less product types, imperfect system and mechanism, and so on. How to improve the core competitiveness in the competition of the industry, how to grasp the opportunity from the changing environment, and find the correct position in the fierce market competition are the problems that need to be paid more attention to in China Post Insurance. Based on the analysis of competitive strategy, this paper holds that China Post Insurance should give full play to the role of postal and bank channels, improve the quality and efficiency of postal banking channels, improve the business functions of individual insurance and group insurance, strengthen the construction of individual risks and group risks, and actively explore electronic commerce. Internet sales channels, the construction of a full-functional business ecosystem, play channel synergy, to consolidate the market and enhance the value of the goal. In order to realize the competitive strategy of China Post Insurance, this paper puts forward five countermeasures to ensure the smooth implementation of the competitive strategy through the effective input of resources, the improvement of operation optimization, the construction of service platform, the improvement of execution ability and the perfection of internal control.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F842.3;F272

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