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论文编号：	325
作者编号：	052231
上传时间：	2008/1/2 13:45:04
中文题目：	我国合资寿险公司竞争力分析及对
英文题目：	Competitiveness Analysis and C
指导老师：	薛有志
中文关键字：	合资寿险公司;竞争力评价;持续<
英文关键字：	Joint Venture of Life Insuranc
中文摘要：	21世纪初，中国加入WTO，从此中国经济进入了一个崭新的发展阶段。作为金融业四大支柱之一的保险业也得到了快速发展。其中最明显的变化就是保险市场竞争主体的急剧增加，从1980年的1家寿险公司发展到当前50家寿险公司，其中内资、合（外）资寿险公司各有25家。 中外合资寿险公司从无到有，已逐步度过前期的高速扩张，向效益型发展转变，其增长速度超过中资公司，具有极大的发展潜力。它作为中国寿险业的新生力量，既有中资保险公司无可比拟的竞争优势，也有其不足之处。随着寿险市场开放广度和深度的增加，寿险公司的竞争力越来越成为赢得寿险市场的重要决定因素。对合资寿险公司的竞争力进行研究，具有一定的现实意义。 本文以竞争力理论为指导，主要采用系统分析、数据分析及归纳与演绎相结合的研究方法，结合寿险行业的特殊性提出了寿险公司竞争力的基本内涵和特征，分析了合资寿险公司现状特征。本文将合资寿险公司的发展问题看作是一个如何保持和培养合资寿险公司竞争力优势的问题加以研究。 为了增加研究的实证性，本文基于财务数据的可获得性、可比性和实用性，依据指标体系设置的基础理论，综合保险业的特征和功能，构建反映寿险公司现实竞争力和潜在竞争力的评价指标体系，明确当前我国寿险行业发展与寿险市场建设过程中，应当给予关注的关键指标。按照评价指标体系，运用因子分析法，综合分析评价我国13家寿险公司的竞争力状况。 在实证分析的基础上，从影响我国合资寿险公司发展的内部有利因素和不利因素，以及外部政策环境三个方面，分析合资寿险公司的竞争优势与劣势，并相应提出了提升合资寿险公司竞争力的对策建议。具体地，针对合资寿险公司的内部有利因素，提出保持和发展持续创新能力的建议；针对由合资寿险公司50:50股权结构、中外资双方股东文化背景差异导致经营理念冲突问题，提出建立跨文化双向协和原则的设想；针对合资寿险公司面临的外部不利因素，即严格监管模式和对外资监管制度的缺陷，提出改革和完善监管体系和监管方法的具体建议。
英文摘要：	At the beginning of 21st century, China entered into the World Trade Organizations(WTO), which leads Chinese economy to a new stage. As one of the four mainstays in the financial field, Insurance Industry moved into a completely new area and gained rapid development. One of the most obvious changes is the fast increase of the number of insurance companies, which mount up from 1 life insurer to the current 50 life insurers, including 25 domestic companies and 25 Joint Venture of Life Insurance Companies (hereinafter referred to as JVLIs). JVLIs have gradually grown up from the high-speed expansion to performance focused development, their increasing speed have exceeded that of domestic life insurance Companies with great potential. As a new strength in Chinese market, JVLI owns both advantages and disadvantages. Based on the theory of competitiveness, mainly adopted methods of system analysis and conclusion & deduction, combined with the special nature of the life insurance industry, this thesis firstly analyzed the meaning and characteristics of life insurers’competitiveness, thus introduced JVLIs’current status quo. In order to enhance the positivism of this thesis, based on the availability, comparability and practicality of financial data, according to the basic theory on index system setting and take into account the characteristics and functions of insurance industry, constructed an index system, which can reflect and affect the competitiveness of the life insurance corporations, and make certain the key index which should be focused. By using the index system and gene analysis method, the study evaluated the competitiveness of 13 JVLIs in China. By positivism analysis, the thesis analyzed the strength and weaknesses of JVLIs from 3 aspects, namely internal advantages, internal disadvantages and external policy environments. Accordingly the thesis brought forward comments on raising JVLIs’competitiveness. In details, it recommended keeping and developing sustained innovation capability against its internal advantages, suggested establishing multi-culture bi-directional harmonious principle against its internal disadvantages in shareholders’concept conflict, and proposed concrete advice on optimizing regulatory system and regulatory methods.
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