信诚人寿山东省分公司发展战略研究

发布时间：2018-04-05 01:27

本文选题：公司战略　切入点：竞争战略　出处：《河北科技大学》2017年硕士论文

【摘要】：保险是金融行业中比较重要的行业之一,它在保障国家经济正常稳定发展、完善社会各种保障制度上起着不可替代的作用。我国的人寿保险行业相较于西方发达国家起步较晚,受国内经济发展模式的影响,我国保险行业尚处于初级阶段。保险公司作为保险业的主体也还不够成熟,大多保险公司战略不够清晰,还停留在抢业务、求生存的水平。信诚人寿保险有限公司由中国中信集团和英国保诚集团合资创建,在国内设立15家分公司,其中山东分公司于2006年在济南成立。信诚人寿山东分公司自成立以来取得了一些成绩,呈现出向好的发展态势,但也存在着诸多问题:业务规模偏小,经营费用不足以支撑业务发展;业务渠道固守成规,没有实现质的突破;机构差异大,管理难度大;员工职涯规划不够清晰,绩效导向不明显等。基于存在的问题,运用PEST框架、“五力”分析模型、SWOT战略选择工具制定出公司层战略,即信诚人寿山东分公司宜采取发展型战略,并要采取后向一体化战略进入保险信托领域;通过波士顿矩阵分析,得出公司要伺机发展平台型产品,并要尽可能多地从传统险、投资连接险和分红险中获取利润,用以支撑公司未来发展;竞争战略宜采取差异化战略,通过产品差异化、渠道差异化和管理差异化实现。最后从调整组织结构、分类支持不同的机构、启动互联网+业务、优化人力资源管理几方面提出战略实施的保障措施。
[Abstract]:Insurance is one of the most important industries in the financial industry. It plays an irreplaceable role in ensuring the normal and stable development of national economy and perfecting various social security systems.Compared with the western developed countries, the life insurance industry of our country starts relatively late, and is still in the primary stage under the influence of the domestic economic development model.Insurance companies as the main body of the insurance industry is not mature, most of the insurance company strategy is not clear enough, but also stay in the level of business, survival.Xincheng Life Insurance Co., Ltd. is a joint venture between CITIC Group of China and Prudential Group of Britain, with 15 branches in China, including Shandong Branch in Jinan in 2006.Xincheng Life Insurance Shandong Branch has made some achievements since its establishment, showing a good trend of development, but there are also many problems: the business scale is small, the operating expenses are not enough to support the business development, the business channels adhere to the rules,There is no qualitative breakthrough; organizational differences, management difficulties, staff career planning is not clear enough, performance guidance is not obvious, and so on.Based on the existing problems, using the PEST framework and the "five forces" analysis model, the paper formulates the corporate strategy, that is, Xincheng Life Insurance Shandong Branch should adopt the developmental strategy, and adopt backward integration strategy to enter the field of insurance trust.Through the analysis of Boston matrix, it is concluded that the company should develop platform products and gain profits from traditional insurance, investment link insurance and dividend insurance as much as possible to support the future development of the company, and the competitive strategy should adopt differentiation strategy.Through product differentiation, channel differentiation and management differentiation.Finally, this paper puts forward the safeguard measures of strategic implementation from the aspects of adjusting the organizational structure, classifying and supporting different organizations, starting Internet business and optimizing human resource management.
【学位授予单位】：河北科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.3;F272

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