【摘要】：隨著社會(huì)經(jīng)濟(jì)的快速發(fā)展,國(guó)民收入水平的大幅增長(zhǎng),我國(guó)機(jī)動(dòng)車購(gòu)買力及保有量逐年快速上升,給保險(xiǎn)市場(chǎng)的發(fā)展帶來(lái)了巨大的發(fā)展?jié)摿�。目前機(jī)動(dòng)車輛保險(xiǎn)已成為我國(guó)財(cái)產(chǎn)保險(xiǎn)的支柱險(xiǎn)種和保費(fèi)增速最快的險(xiǎn)種之一,與居民的日常生活密切相關(guān),是各家財(cái)產(chǎn)保險(xiǎn)公司市場(chǎng)競(jìng)爭(zhēng)的重中之重。但是隨著我國(guó)保險(xiǎn)深度和保險(xiǎn)密度的不斷增加,保險(xiǎn)消費(fèi)者消費(fèi)理念的日趨成熟,多元化的保險(xiǎn)需求無(wú)法在同質(zhì)化的車險(xiǎn)產(chǎn)品中獲得滿足,同時(shí)固化的車險(xiǎn)制度也造成了車險(xiǎn)行業(yè)的整體虧損。鑒于此,國(guó)家保險(xiǎn)監(jiān)管部門已開始逐步推動(dòng)車險(xiǎn)條款及費(fèi)率的市場(chǎng)化。本文選擇TPY產(chǎn)險(xiǎn)甘肅分公司為研究對(duì)象,希望通過(guò)分析其在甘肅省的市場(chǎng)環(huán)境及營(yíng)銷現(xiàn)狀,找出其存在的問(wèn)題和解決對(duì)策。 論文首先對(duì)相關(guān)保險(xiǎn)營(yíng)銷理論進(jìn)行回顧和總結(jié),其次對(duì)車險(xiǎn)費(fèi)率市場(chǎng)化的概念和影響進(jìn)行分析,然后利用PEST分析法及調(diào)查問(wèn)卷法對(duì)甘肅省車險(xiǎn)市場(chǎng)的市場(chǎng)環(huán)境、銷售渠道、購(gòu)買因素、滿意度進(jìn)行多角度、深入細(xì)致的分析和調(diào)研,最后根據(jù)調(diào)研及分析結(jié)果制定出適合TPY產(chǎn)險(xiǎn)甘肅分公司的營(yíng)銷策略及優(yōu)化改進(jìn),包括市場(chǎng)的細(xì)分和選擇、產(chǎn)品營(yíng)銷策略、渠道營(yíng)銷策略、價(jià)格營(yíng)銷策略、促銷營(yíng)銷策略及保障體系等。本文的研究目的是利用市場(chǎng)營(yíng)銷學(xué)的相關(guān)理論,找到適合TPY產(chǎn)險(xiǎn)甘肅分公司的營(yíng)銷策略,幫助其在費(fèi)率市場(chǎng)化的競(jìng)爭(zhēng)背景下獲得最大的市場(chǎng)份額和利潤(rùn)。
[Abstract]:With the rapid development of social economy and the substantial increase of national income, the purchasing power and ownership of motor vehicles in China are rising rapidly year by year, which brings great development potential to the development of insurance market. At present, motor vehicle insurance has become one of the pillar insurance types and the fastest increasing insurance premium in our country, which is closely related to the daily life of the residents, and is the most important part of the market competition of the property insurance companies. However, with the increasing of insurance depth and insurance density in our country, the consumption concept of insurance consumers is maturing day by day, and the diversified insurance demand can not be satisfied in the homogeneous automobile insurance products. At the same time, the solidified auto insurance system also caused the overall loss of the auto insurance industry. In view of this, the national insurance regulatory department has begun to gradually promote the marketization of auto insurance clauses and rates. This paper chooses Gansu Branch of TPY property Insurance as the research object, hoping to find out its existing problems and countermeasures by analyzing its market environment and marketing situation in Gansu Province. This paper reviews and summarizes the relevant insurance marketing theories, then analyzes the concept and influence of auto insurance rate marketization, and then uses PEST analysis and questionnaire to analyze the market environment and sales channels of automobile insurance market in Gansu Province. Purchase factors, satisfaction, in-depth and meticulous analysis and research, and finally according to the results of research and analysis of the appropriate TPY property insurance Gansu Branch marketing strategy and optimization improvements, including market segmentation and selection, Product marketing strategy, channel marketing strategy, price marketing strategy, promotion marketing strategy and safeguard system. The purpose of this paper is to find out the marketing strategy suitable for Gansu Branch of TPY property insurance by using the relevant theories of marketing, and to help it obtain the largest market share and profit under the background of the marketization of the rate.
【學(xué)位授予單位】：蘭州理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F274;F842.63

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