發(fā)布時(shí)間：2018-10-05 09:24

【摘要】：隨著經(jīng)濟(jì)社會(huì)的快速發(fā)展和國(guó)民生活水平的不斷提高,保險(xiǎn)業(yè)在經(jīng)濟(jì)社會(huì)發(fā)展和國(guó)民生活中的作用越來(lái)越重要,對(duì)于保險(xiǎn)行業(yè)來(lái)說(shuō),可謂是機(jī)遇與挑戰(zhàn)并存。一方面,經(jīng)濟(jì)規(guī)模的擴(kuò)大、社會(huì)財(cái)富的增長(zhǎng)以及城鄉(xiāng)居民收入大幅增長(zhǎng),促進(jìn)了保險(xiǎn)需求快速增長(zhǎng)；另一方面市場(chǎng)競(jìng)爭(zhēng)日激趨激烈,參與競(jìng)爭(zhēng)的主體日益增多,保險(xiǎn)公司傳統(tǒng)的經(jīng)營(yíng)模式受到嚴(yán)峻挑戰(zhàn)。如何在經(jīng)濟(jì)社會(huì)發(fā)展新常態(tài)下改善經(jīng)營(yíng)模式,制定適合自身發(fā)展的戰(zhàn)略,提升市場(chǎng)競(jìng)爭(zhēng)能力,成為各大保險(xiǎn)公司面臨的重要任務(wù)。本文以SC財(cái)險(xiǎn)公司鄂爾多斯分公司為研究對(duì)象,在充分借鑒國(guó)內(nèi)外保險(xiǎn)公司戰(zhàn)略發(fā)展理論和案例的基礎(chǔ)上,分別借助PEST分析模型和邁克爾·波特的“五力模型”對(duì)SC財(cái)險(xiǎn)公司鄂爾多斯分公司的外部發(fā)展環(huán)境和行業(yè)特征進(jìn)行了分析,得到影響鄂市保險(xiǎn)行業(yè)的五種力量中,新的進(jìn)入者和賣方議價(jià)能力的威脅較小,而替代品、買方議價(jià)能力和現(xiàn)有競(jìng)爭(zhēng)者的威脅較大的結(jié)論。再?gòu)馁Y源和能力兩方面對(duì)該公司的內(nèi)部環(huán)境進(jìn)行分析,指出該公司的優(yōu)勢(shì)有發(fā)展優(yōu)勢(shì)、營(yíng)銷渠道優(yōu)勢(shì)、服務(wù)優(yōu)勢(shì)和聲譽(yù)優(yōu)勢(shì),劣勢(shì)為市場(chǎng)占有率低、人員整體素質(zhì)偏低和創(chuàng)新能力不強(qiáng)。在此基礎(chǔ)上運(yùn)用SWOT分析,將SC財(cái)險(xiǎn)公司鄂爾多斯分公司的機(jī)會(huì)、威脅、優(yōu)勢(shì)和劣勢(shì)相結(jié)合起來(lái),指出多元化的增長(zhǎng)戰(zhàn)略是適合該公司發(fā)展的戰(zhàn)略。最后從組織結(jié)構(gòu)、制度建設(shè)、人力資源和技術(shù)保障四個(gè)方面闡述了如何保障SC財(cái)險(xiǎn)公司鄂爾多斯分公司發(fā)展戰(zhàn)略順利實(shí)施的具體措施。
[Abstract]:With the rapid development of economy and society and the continuous improvement of national living standard, the role of insurance industry in economic and social development and national life is more and more important, for the insurance industry, it can be said that opportunities and challenges coexist. On the one hand, the expansion of economic scale, the growth of social wealth and the substantial increase of income of urban and rural residents have promoted the rapid growth of insurance demand; on the other hand, the market competition is becoming more and more intense, and the main body participating in the competition is increasing day by day. The traditional business model of insurance company is faced with severe challenge. How to improve the management mode in the new normal state of economic and social development, to formulate the strategy suitable for their own development, and to enhance the market competition ability have become the important tasks faced by the major insurance companies. This paper takes Ordos Branch of SC property Insurance Company as the research object, on the basis of drawing lessons from the domestic and foreign insurance company's strategic development theory and case, With the help of PEST analysis model and Michael Porter's "five Force Model", this paper analyzes the external development environment and industry characteristics of Ordos Branch of SC property Insurance Company, and obtains five kinds of forces that influence the insurance industry in E City. The new entrant and seller's bargaining power is less threatening, while the alternative, buyer's bargaining power and the existing competitor's threat are greater. Then it analyzes the internal environment of the company from two aspects of resources and ability, and points out that the advantages of the company include development advantage, marketing channel advantage, service advantage and reputation advantage, and the inferior position is the low market share. Personnel overall quality is low and innovation ability is not strong. On the basis of SWOT analysis, this paper combines the opportunities, threats, advantages and disadvantages of Ordos Branch of SC property Insurance Company, and points out that the diversified growth strategy is suitable for the development of the company. Finally, from the aspects of organizational structure, system construction, human resources and technical support, this paper expounds the concrete measures to ensure the smooth implementation of the development strategy of Ordos Branch of SC property Insurance Company.
【學(xué)位授予單位】：內(nèi)蒙古財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F272;F842.3
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本文編號(hào)：2252854