Y公司青島市車險(xiǎn)業(yè)務(wù)競(jìng)爭(zhēng)戰(zhàn)略研究
發(fā)布時(shí)間：2019-04-12 14:58
【摘要】：我國(guó)保險(xiǎn)業(yè),經(jīng)過改革開放30年特別是最近10多年的快速發(fā)展,已經(jīng)進(jìn)入了一個(gè)嶄新的發(fā)展階段,站在了一個(gè)新的、更高的起跑線上。2006年,國(guó)務(wù)院審議通過了《國(guó)務(wù)院關(guān)于保險(xiǎn)業(yè)改革發(fā)展的若干意見》,為我國(guó)保險(xiǎn)業(yè)的發(fā)展指明了方向。雖然,我國(guó)保險(xiǎn)業(yè)保費(fèi)總量得到了快速的增長(zhǎng),但無論從保險(xiǎn)深度和保險(xiǎn)密度等方面衡量,與西方發(fā)達(dá)國(guó)家的保險(xiǎn)業(yè)還存在著很大的差距。 財(cái)產(chǎn)保險(xiǎn)是以財(cái)產(chǎn)及其有關(guān)利益為保險(xiǎn)標(biāo)的的一種保險(xiǎn),包括財(cái)產(chǎn)損失保險(xiǎn)、責(zé)任保險(xiǎn)、信用保險(xiǎn)等。財(cái)產(chǎn)保險(xiǎn)在社會(huì)保障管理、社會(huì)風(fēng)險(xiǎn)管理及社會(huì)信用管理等方面發(fā)揮著重要的作用。隨著我國(guó)汽車保有量的不斷提高,近些年來,財(cái)產(chǎn)保險(xiǎn)業(yè)務(wù)中車險(xiǎn)業(yè)務(wù)的占比已超過60%,車險(xiǎn)業(yè)務(wù)的經(jīng)營(yíng)好壞,對(duì)于整個(gè)產(chǎn)險(xiǎn)業(yè)的穩(wěn)定發(fā)展起著非常重要的作用。按照中國(guó)加入WTO時(shí)簽訂的協(xié)議,我國(guó)嚴(yán)格的履行了入世時(shí)的相關(guān)承諾。2012年2月14日,中國(guó)和美國(guó)雙方發(fā)布了《關(guān)于加強(qiáng)中美經(jīng)濟(jì)合作關(guān)系的聯(lián)合聲明》,2012年3月30日,我國(guó)公布了《國(guó)務(wù)院關(guān)于修改機(jī)動(dòng)車交通事故責(zé)任強(qiáng)制保險(xiǎn)條例的決定》,決定對(duì)外資保險(xiǎn)公司放開交強(qiáng)險(xiǎn)業(yè)務(wù),這也就預(yù)示著我國(guó)車險(xiǎn)業(yè)務(wù)的全面放開。在我國(guó)車險(xiǎn)產(chǎn)品高度同質(zhì)化、行業(yè)主體快速增加、市場(chǎng)全面對(duì)外開放的現(xiàn)實(shí)情況下,車險(xiǎn)業(yè)務(wù)的競(jìng)爭(zhēng)將進(jìn)入一個(gè)更加激烈的時(shí)代。 青島市是國(guó)家最早設(shè)立的14個(gè)沿海開放港口城市之一,1994年又被國(guó)務(wù)院列為全國(guó)15個(gè)副省級(jí)城市之一,近些年來在國(guó)家宏觀經(jīng)濟(jì)高速發(fā)展的大背景下,青島市的經(jīng)濟(jì)也得到了快速的發(fā)展。2004年8月,經(jīng)中國(guó)保險(xiǎn)監(jiān)督管理委員會(huì)(以下簡(jiǎn)稱保監(jiān)會(huì))批準(zhǔn),中國(guó)保險(xiǎn)監(jiān)督管理委員會(huì)青島監(jiān)管局(以下簡(jiǎn)稱青島保監(jiān)局)正式成立,負(fù)責(zé)青島市保險(xiǎn)業(yè)監(jiān)管工作,國(guó)內(nèi)各產(chǎn)險(xiǎn)公司在青島市的分支機(jī)構(gòu)也都為省級(jí)分公司建制。Y公司是一家擁有強(qiáng)大股東背景的產(chǎn)險(xiǎn)公司,公司成立特別是近幾年來,依托股東的強(qiáng)力支持,基本完成了全國(guó)省級(jí)分公司網(wǎng)點(diǎn)的鋪設(shè),近年來車險(xiǎn)業(yè)務(wù)也得到了快速的發(fā)展。按照Y公司的整體規(guī)劃和布局,該公司在青島市也設(shè)立了分公司(以下簡(jiǎn)稱Y公司青島分公司),業(yè)務(wù)規(guī)模在不斷的壯大。 在上述車險(xiǎn)業(yè)務(wù)發(fā)展的大背景下,Y公司青島分公司車險(xiǎn)業(yè)務(wù)的發(fā)展經(jīng)過創(chuàng)業(yè)期的快速增長(zhǎng)后,逐步進(jìn)入發(fā)展的“瓶頸”階段。在此種情況下,如何正視公司車險(xiǎn)業(yè)務(wù)發(fā)展所面臨的問題和困難,并在新的形勢(shì)下能夠制定切實(shí)可行的車險(xiǎn)競(jìng)爭(zhēng)策略,對(duì)保持Y公司在青島市產(chǎn)險(xiǎn)市場(chǎng)的長(zhǎng)期、穩(wěn)健發(fā)展都具有重要意義。 本文以企業(yè)戰(zhàn)略等相關(guān)管理理論為基礎(chǔ),結(jié)合我國(guó)財(cái)產(chǎn)保險(xiǎn)行業(yè)發(fā)展的大背景,借鑒發(fā)達(dá)國(guó)家的先進(jìn)經(jīng)驗(yàn),以Y公司青島市車險(xiǎn)業(yè)務(wù)競(jìng)爭(zhēng)戰(zhàn)略選擇為研究對(duì)象,運(yùn)用PEST、SWOT、五力等分析工具模型,詳細(xì)剖析了Y公司青島分公司車險(xiǎn)業(yè)務(wù)發(fā)展的競(jìng)爭(zhēng)優(yōu)勢(shì)和劣勢(shì),所面臨的機(jī)遇和威脅,提出了Y公司青島市車險(xiǎn)業(yè)務(wù)車型分類差異化、渠道分類差異化及客戶服務(wù)差異化競(jìng)爭(zhēng)戰(zhàn)略的選擇方案,同時(shí)也提出了有效的實(shí)施上述競(jìng)爭(zhēng)戰(zhàn)略的措施和保障,對(duì)Y公司青島分公司不斷提升車險(xiǎn)業(yè)務(wù)的核心競(jìng)爭(zhēng)能力,保持公司健康、可持續(xù)發(fā)展具有重要的意義,也對(duì)行業(yè)內(nèi)的中小產(chǎn)險(xiǎn)公司的車險(xiǎn)競(jìng)爭(zhēng)戰(zhàn)略的選擇,提供了一定的參考。
[Abstract]:China's insurance industry, through the reform and opening-up in the past 30 years, especially the rapid development of the last 10 years, has entered a new stage of development, standing in a new and higher starting line. In 2006, the State Council considered the adoption of the State Council's Views on the Development of the Insurance Industry, The direction is pointed out for the development of the insurance industry in our country. Although China's insurance premium has been growing rapidly, the insurance industry in the western developed countries still has a big gap, whether it is measured from the insurance depth and the insurance density. Property insurance is a kind of insurance with property and its related interests as the subject of insurance, including property damage insurance, liability insurance, credit insurance The property insurance plays an important role in social security management, social risk management and social credit management. In recent years, the proportion of the car insurance business in the property insurance business has been more than 60%, and the operation of the car insurance business is very important for the stable development of the whole insurance industry in recent years. China and the United States issued a joint statement on strengthening the relationship between China and the United States on February 14,2012. On the day, my country released the Decision of the State Council on the Regulation of the Compulsory Insurance of Motor Vehicle Traffic Accident, and decided to release the traffic insurance business for the foreign insurance company, which also indicates the overall discharge of the car insurance business in China. On the other hand, the competition of the car insurance business will enter a more fierce competition in the case of the high degree of homogenization of the automobile insurance products, the rapid growth of the industrial main body and the overall opening of the market As one of the first 14 coastal open port cities established by the State, in 1994, the State Council was one of the 15 sub-provincial cities in the country. In recent years, the economy of Qingdao has been developed rapidly in the background of the high-speed development of the country's macro-economy. In August, after the approval of the China Insurance Regulatory Commission (hereinafter referred to as the CIRC), the China Insurance Regulatory Commission (hereinafter referred to as the "Qingdao Baoji Bureau") was formally established to be responsible for the supervision of the insurance of Qingdao The operation of the pipe and the domestic insurance companies in Qingdao are also the provincial branch offices. The company is formed. Y is a risk-producing company with a strong shareholder background. In recent years, the company has set up especially in recent years, relying on the strong support of the shareholders, basically completed the laying of the branch of the provincial branch of the whole country, and in recent years, the car insurance business has also been fast In accordance with the overall planning and layout of the Company, the company has also set up a branch in Qingdao (hereinafter referred to as Y Company, Qingdao Branch), and the business scale is continuously In the background of the development of the above-mentioned vehicle insurance business, the development of the car insurance business of the Company of Qingdao Branch of the Company has gone through the rapid growth of the start-up period, and gradually entered the development of the "Bottleneck" stage. In this case, how to face the problems and difficulties faced by the development of the company's car insurance business, and to be able to develop practical vehicle-risk competition strategy in the new situation, to keep the long-term and steady development of the Y-Company in Qingdao's production insurance market Based on the relevant management theories such as the enterprise strategy, this paper, based on the development of the property insurance industry in our country, draws on the advanced experience of the developed countries, and chooses the competition strategy of the vehicle insurance business in the Y company as the research object, and uses the PEST, the SWOT and the five-force. Based on the analysis tool model, the competitive advantage and disadvantage of the development of the car insurance business in Qingdao Branch of Y Company are analyzed in detail, and the opportunities and threats to the development of the vehicle insurance business of Qingdao Branch of the Company are analyzed in detail. The classification and differentiation of the vehicle insurance business model, the differentiation of the channel classification and the differentiated competition of the customer service are put forward. The choice of strategy is also put forward to effectively implement the measures and guarantee of the above-mentioned competition strategy, and the company of Qingdao Branch of Y Company is constantly improving the core competitiveness of the vehicle insurance business and keeping the company's healthy and sustainable development It is of great significance, and is also the choice of the competition strategy for the car insurance of small and medium-sized and small-sized companies in the industry.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.634
本文編號(hào)：2457119
[Abstract]:China's insurance industry, through the reform and opening-up in the past 30 years, especially the rapid development of the last 10 years, has entered a new stage of development, standing in a new and higher starting line. In 2006, the State Council considered the adoption of the State Council's Views on the Development of the Insurance Industry, The direction is pointed out for the development of the insurance industry in our country. Although China's insurance premium has been growing rapidly, the insurance industry in the western developed countries still has a big gap, whether it is measured from the insurance depth and the insurance density. Property insurance is a kind of insurance with property and its related interests as the subject of insurance, including property damage insurance, liability insurance, credit insurance The property insurance plays an important role in social security management, social risk management and social credit management. In recent years, the proportion of the car insurance business in the property insurance business has been more than 60%, and the operation of the car insurance business is very important for the stable development of the whole insurance industry in recent years. China and the United States issued a joint statement on strengthening the relationship between China and the United States on February 14,2012. On the day, my country released the Decision of the State Council on the Regulation of the Compulsory Insurance of Motor Vehicle Traffic Accident, and decided to release the traffic insurance business for the foreign insurance company, which also indicates the overall discharge of the car insurance business in China. On the other hand, the competition of the car insurance business will enter a more fierce competition in the case of the high degree of homogenization of the automobile insurance products, the rapid growth of the industrial main body and the overall opening of the market As one of the first 14 coastal open port cities established by the State, in 1994, the State Council was one of the 15 sub-provincial cities in the country. In recent years, the economy of Qingdao has been developed rapidly in the background of the high-speed development of the country's macro-economy. In August, after the approval of the China Insurance Regulatory Commission (hereinafter referred to as the CIRC), the China Insurance Regulatory Commission (hereinafter referred to as the "Qingdao Baoji Bureau") was formally established to be responsible for the supervision of the insurance of Qingdao The operation of the pipe and the domestic insurance companies in Qingdao are also the provincial branch offices. The company is formed. Y is a risk-producing company with a strong shareholder background. In recent years, the company has set up especially in recent years, relying on the strong support of the shareholders, basically completed the laying of the branch of the provincial branch of the whole country, and in recent years, the car insurance business has also been fast In accordance with the overall planning and layout of the Company, the company has also set up a branch in Qingdao (hereinafter referred to as Y Company, Qingdao Branch), and the business scale is continuously In the background of the development of the above-mentioned vehicle insurance business, the development of the car insurance business of the Company of Qingdao Branch of the Company has gone through the rapid growth of the start-up period, and gradually entered the development of the "Bottleneck" stage. In this case, how to face the problems and difficulties faced by the development of the company's car insurance business, and to be able to develop practical vehicle-risk competition strategy in the new situation, to keep the long-term and steady development of the Y-Company in Qingdao's production insurance market Based on the relevant management theories such as the enterprise strategy, this paper, based on the development of the property insurance industry in our country, draws on the advanced experience of the developed countries, and chooses the competition strategy of the vehicle insurance business in the Y company as the research object, and uses the PEST, the SWOT and the five-force. Based on the analysis tool model, the competitive advantage and disadvantage of the development of the car insurance business in Qingdao Branch of Y Company are analyzed in detail, and the opportunities and threats to the development of the vehicle insurance business of Qingdao Branch of the Company are analyzed in detail. The classification and differentiation of the vehicle insurance business model, the differentiation of the channel classification and the differentiated competition of the customer service are put forward. The choice of strategy is also put forward to effectively implement the measures and guarantee of the above-mentioned competition strategy, and the company of Qingdao Branch of Y Company is constantly improving the core competitiveness of the vehicle insurance business and keeping the company's healthy and sustainable development It is of great significance, and is also the choice of the competition strategy for the car insurance of small and medium-sized and small-sized companies in the industry.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.634
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