【摘要】：我國(guó)財(cái)產(chǎn)保險(xiǎn)公司起步較晚,經(jīng)營(yíng)方式相對(duì)比較粗放,盈利能力較差,甚至多為虧損。中國(guó)人民財(cái)產(chǎn)保險(xiǎn)股份有限公司(以下簡(jiǎn)稱“人保財(cái)險(xiǎn)”)是我國(guó)最大的財(cái)產(chǎn)保險(xiǎn)公司。人保財(cái)險(xiǎn)寧夏分公司在寧夏產(chǎn)險(xiǎn)業(yè)市場(chǎng)份額占據(jù)絕對(duì)優(yōu)勢(shì),但是隨著產(chǎn)險(xiǎn)市場(chǎng)主體的增多,該公司的市場(chǎng)份額逐步減少,盈利能力大大削弱。查找和分析盈利能力降低的原因,尋找提升盈利能力的對(duì)策成為人保財(cái)險(xiǎn)寧夏分公司最需迫切解決的問題。 本文在對(duì)盈利模式和盈利能力的影響因素進(jìn)行概括的基礎(chǔ)上,首先對(duì)人保財(cái)險(xiǎn)寧夏分公司的盈利狀況、特點(diǎn)和原因進(jìn)行了分析,其次對(duì)公司的盈利路徑存在的問題和原因進(jìn)行了分析,最后提出通過加強(qiáng)業(yè)務(wù)管控、對(duì)費(fèi)用進(jìn)行有效控制、加強(qiáng)內(nèi)控管理、加強(qiáng)產(chǎn)品和服務(wù)創(chuàng)新等措施來(lái)提升人保財(cái)險(xiǎn)寧夏分公司的可持續(xù)盈利能力。
[Abstract]:Our country property insurance company starts late, the management way is relatively extensive, the profit ability is poor, even is the loss. China people's property Insurance Company Limited (hereinafter referred to as PICC) is the largest property insurance company in China. PICC Ningxia Branch occupies an absolute advantage in the market share of property insurance industry in Ningxia, but with the increase of the market main body of property insurance, the market share of the company gradually decreases, and the profitability of the company is greatly weakened. It is the most urgent problem for PICC Ningxia Branch to find and analyze the reasons for the decrease of profitability and to find out the countermeasures to improve the profitability of PICC Ningxia Branch. On the basis of summarizing the influence factors of profit model and profitability, this paper firstly analyzes the profit status, characteristics and reasons of PICC Ningxia Branch. Secondly, the paper analyzes the problems and reasons of the profit path of the company. Finally, it puts forward the effective cost control and internal control management by strengthening the business control and control. Strengthen the innovation of products and services to improve the sustainable profitability of PICC Ningxia Branch.
【學(xué)位授予單位】：寧夏大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F275;F842.3

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