【摘要】：近年來,中國(guó)保險(xiǎn)市場(chǎng)逐步拓展對(duì)外開放的深度和廣度,外資保險(xiǎn)公司大規(guī)模進(jìn)駐我國(guó),中外資保險(xiǎn)公司之間的競(jìng)爭(zhēng)程度愈發(fā)激烈,競(jìng)爭(zhēng)的市場(chǎng)環(huán)境日趨公平�？陀^來看,外資保險(xiǎn)公司的擴(kuò)張雖然給民族保險(xiǎn)業(yè)造成了威脅,但同時(shí)也帶來了先進(jìn)的管理理念和運(yùn)作方式。中資保險(xiǎn)公司在明確自身相對(duì)于外資公司優(yōu)劣勢(shì)的前提下,以影響保險(xiǎn)公司核心競(jìng)爭(zhēng)力的各方面因素為依據(jù),有效分析在核心競(jìng)爭(zhēng)力方面的優(yōu)點(diǎn)和不足之處,借鑒外資保險(xiǎn)公司在中國(guó)保險(xiǎn)市場(chǎng)成功經(jīng)營(yíng)的有效經(jīng)驗(yàn),結(jié)合中國(guó)保險(xiǎn)市場(chǎng)的實(shí)際需求和現(xiàn)實(shí)條件,才能做到有針對(duì)性地培育和發(fā)展核心競(jìng)爭(zhēng)力。 本文對(duì)保險(xiǎn)公司核心競(jìng)爭(zhēng)力的內(nèi)涵進(jìn)行界定,選取中外資大型保險(xiǎn)公司和中小新興保險(xiǎn)公司各10家作為我國(guó)保險(xiǎn)市場(chǎng)的標(biāo)桿公司,依據(jù)核心競(jìng)爭(zhēng)力的內(nèi)外部影響因素以及中外資保險(xiǎn)公司在我國(guó)保險(xiǎn)市場(chǎng)經(jīng)營(yíng)發(fā)展的實(shí)際情況,建立保險(xiǎn)公司核心競(jìng)爭(zhēng)力的評(píng)價(jià)指標(biāo)體系,應(yīng)用聚類分析法、主成分分析法和因子分析法,得出了各保險(xiǎn)公司在發(fā)展、規(guī)模、穩(wěn)定、營(yíng)運(yùn)因子以及綜合評(píng)價(jià)上的得分與排名,并對(duì)實(shí)證結(jié)果進(jìn)行了詳細(xì)分析,以期為中資保險(xiǎn)公司找到有效提升核心競(jìng)爭(zhēng)力的途徑和民族保險(xiǎn)業(yè)健康快速發(fā)展提供理論和實(shí)踐上的意見和建議。本文認(rèn)為,中資保險(xiǎn)公司培育和發(fā)展核心競(jìng)爭(zhēng)力可以從以下幾點(diǎn)切入：提倡保險(xiǎn)創(chuàng)新,優(yōu)化兩核技術(shù)；擴(kuò)大資本規(guī)模,增強(qiáng)償付能力；注重人才培養(yǎng),完善企業(yè)文化；提高保險(xiǎn)資金使用率,強(qiáng)化品牌建設(shè)。
[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.
【學(xué)位授予單位】：海南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.3

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