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中外保险公司竞争力比较分析


全文字数:11000字左右  原创时间:<=2022年

【内容摘要】

中外保险公司竞争力比较分析


内容摘要:改革开放以来,我国保险业发展迅速,2011年保费收入达到1.43万亿元,取得了令人瞩目的成绩。然而,随着经济全球化﹑金融一体化浪潮的推进,我国保险公司所面临的国际与国内市场环境发生了很大变化,中资保险公司必须认清自身优势与不足,才能更好的参与市场竞争。
在上述背景下,本文主要对中外保险公司竞争力问题进行对比研究,找出中资保险公司优势与不足,并就存在不足提出相关建议。由于经营理念、市场竞争激烈等因素,目前我国保险公司与外资保险公司相比,普遍存在资产规模小、专业人才缺乏、投资盈利能力不强、创新能力不足等问题,针对这些问题,本文提出了壮大中资保险公司资产规模、建立高素质保险人才队伍、转变经营管理方式和理念,提升投资盈利能力、加强产品及服务创新等相关建议。

关键词:保险公司,竞争力,偿付能力,资金运用

Comparison of Competitiveness between China
And foreign insurance companies
Abstract: Since the reform and opening up, the rapid development of China's insurance industry, the 2011 premium income reached 1.43 trillion Yuan, has made remarkable achievements. However, with the advance of the wave of economic globalization, financial integration, international and domestic market environment, China's insurance companies are facing great changes in Chinese-funded insurance companies must recognize their own strengths and weaknesses in order to better participate in the market competition.   
In the above context, this paper, a comparative study of competitiveness of Chinese and foreign insurance companies to identify the advantages and disadvantages of the Chinese insurance companies, and the lack of suggestions. Business philosophy, market competition and other factors, China's insurance companies and foreign insurance companies compared to the prevalence of asset size, the lack of professionals, investment profitability is not strong, the lack of innovative capacity to address these issues, this paper presents grow the asset size of Chinese insurance companies, the establishment of high-quality insurance personnel, changes in management methods and concepts, and relevant recommendations to enhance the investment profitability, enhance product and service innovation.

Key words:Insurance company,Competitiveness,Solvency,Use of funds

 

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