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论文编号：	9216
作者编号：	2120152553
上传时间：	2017/6/11 18:16:35
中文题目：	TK人寿分公司经代渠道优化研究
英文题目：	The Research on the Optimizing Brokerage Channel of TK Life Insurance
指导老师：	郝臣
中文关键字：	TK人寿; 经代渠道; 公司绩效
英文关键字：	TK Life Insurance; Brokerage channel; Corporate performance
中文摘要：	近年来，我国保险行业的发展取得了显著的成就。保险在我国金融体系中的地位愈加举足轻重，并且已经成为我国飞速发展的行业之一。经代渠道作为专业保险中介，日益成为保险市场的重要组成部分。TK人寿因势而变，抢占先机，率先进行渠道创新，开设经代渠道与经代公司合作。它的成立弥补了保险公司与消费者之间的缝隙。虽然TK人寿经代渠道发展迅速，但目前仍然处于初级阶段，在盈利能力和费用管控上仍然面临着诸多问题。 TK人寿传统渠道保费增速日显乏力，所以建设一个全新的渠道尤为重要。作为一个新兴业务，经代渠道的开设好似一把双刃剑，如发展成功则为TK人寿带来绩效提升，同时也加速了中国保险市场的成熟。反之如发展失败，亦会给保险公司和消费者带来巨大损失。所以加强TK人寿分公司经代渠道的建设对公司的战略布局和未来的发展尤为重要。完善和解决经代渠道问题有助于保险公司从粗放的经营现状中解脱出来，在激烈的市场竞争中形成竞争优势。因此研究TK人寿分公司经代业务的问题具有重要意义。 本文以寿险公司经营绩效、保险营销渠道管理决策等理论为研究基础，立意通过加强TK人寿分公司经代渠道的建设，提升TK人寿分公司绩效。以TK人寿分公司经代渠道存在问题以及改进措施为研究对象，提高经代业务水平以和TK人寿整体实力。本文结合案例研究方法和规范研究的方法得出以下结论：TK人寿分公司经代渠道通过减少业务推动费用、调整佣金设置、强化风险控制、完善信息系统建设来降低公司的成本；通过实施产品创新来增加保费收入，提升公司的盈利能力。最终实现公司绩效的提升。本论文的创新之处在于研究视角和研究方法的创新：在研究视角上，以往的参考文献较为宏观，研究整个专业保险市场的居多。而本论文以保险公司分公司经代渠道为研究对象;在研究方法上，将规范研究方法和案例研究方法相结合，通过大量的调研，以TK人寿吉林分公司经代渠道为案例展开研究，最终总结出TK人寿分公司经代渠道的优化建议。
英文摘要：	In recent years, the development of the insurance industry in China has made remarkable achievements. Insurance becomes increasingly important in the financial system in China and has already become one of the rapid industries .As the professional insurance intermediaries, brokers and agencies have increasingly become an important part in the insurance market. Then TK Life Insurance Company took the lead to channel innovation and collaborate with brokers and agents, which made up the gap between insurance company and consumers. Although the brokerage channel of TK Life Insurance develops rapidly, it is still in its infancy and faced with many problems of earning power and cost management. Against the back ground，the research on the problems of the brokerage channel of TK Life Insurance has great significance. Now the speed of the increase of premium of the traditional distribution channels is more slowly than ever, so it is important to construct a new channel. The establishment of the brokerage channel like a double-edged sword. If success, it would bring performance promotion. If failure, it would bring much loss to both company and consumers. Solving the problem of the brokerage channel can help TK get rid of rude management model and gain the competitive advantages. Therefore, it is of great significance to study the business of TK Life Insurance. The research of the thesis is based on corporate performance, decision and management of insurance marketing channels and so on to strengthen the construction of the brokerage channel of TK life Insurance. The problems and improvement measures are the objects of study with the aim to improve the performance of TK Life Insurance. The study methods of the thesis combine the standardized research and case study. We can draw the conclusion as follows. Firstly, in order to reduce the cost we should reduce the business promotion fees and reset the commission .we also should strengthen risk control and perfect information system. Secondly, we can create new products which meet consumers’ needs to increase the income of premium. The innovation of the thesis is the research perspective and research method. To the perspective, the branch of insurance company is deemed as the research object. To the research method, the thesis combines the normative study and case study. In the end, the suggestions of the development of brokerage channel are concluded based on the perspective of performance improvement.
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