本文關(guān)鍵詞：P公司貴陽(yáng)市場(chǎng)商業(yè)車險(xiǎn)價(jià)格競(jìng)爭(zhēng)策略研究　出處：《貴州大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)車險(xiǎn) 市場(chǎng)競(jìng)爭(zhēng) 價(jià)格 差異化 競(jìng)爭(zhēng)策略

【摘要】：車險(xiǎn)是財(cái)產(chǎn)保險(xiǎn)公司的龍頭險(xiǎn)種,自2003年中國(guó)車險(xiǎn)費(fèi)率市場(chǎng)化試水以來(lái),車險(xiǎn)價(jià)格競(jìng)爭(zhēng)一直伴隨著市場(chǎng)化的進(jìn)程。車險(xiǎn)價(jià)格關(guān)系到眾多的車主利益,一直是社會(huì)公眾關(guān)注焦點(diǎn)和監(jiān)管部門(mén)的監(jiān)管重點(diǎn)。論文選取了車險(xiǎn)競(jìng)爭(zhēng)策略作為研究?jī)?nèi)容,運(yùn)用產(chǎn)業(yè)組織理論的S-C-P范式和五力模型分析貴陽(yáng)市場(chǎng)的車險(xiǎn)價(jià)格競(jìng)爭(zhēng)狀況,并以動(dòng)態(tài)競(jìng)爭(zhēng)戰(zhàn)略理論為基礎(chǔ),結(jié)合車險(xiǎn)費(fèi)率厘定原理、寡占模式下價(jià)格競(jìng)爭(zhēng)模型,研究分析了寡占市場(chǎng)模式下,P公司如何運(yùn)用市場(chǎng)共通性和資源相似性和AMC框架識(shí)別出其重要競(jìng)爭(zhēng)對(duì)手及其策略,并通過(guò)P公司與主要競(jìng)爭(zhēng)對(duì)手A公司的價(jià)格競(jìng)爭(zhēng)互動(dòng)研究,論證了價(jià)格競(jìng)爭(zhēng)行為是有效市場(chǎng)競(jìng)爭(zhēng)手段,而且合理的價(jià)格競(jìng)爭(zhēng)能夠提升市場(chǎng)份額和獲取超過(guò)市場(chǎng)平均水平的利潤(rùn)率,在此中,精準(zhǔn)定價(jià)和差異化價(jià)格組合是參與價(jià)格競(jìng)爭(zhēng)的核心能力。論文第一章闡述了研究的目的和背景,整理了目前國(guó)內(nèi)外的研究成果,廓清了車險(xiǎn)價(jià)格領(lǐng)域的研究現(xiàn)狀;第二章介紹了動(dòng)態(tài)競(jìng)爭(zhēng)基礎(chǔ)理論、車輛費(fèi)率厘定、寡占模式下價(jià)格競(jìng)爭(zhēng)模型,為論證提供必要的理論支持;第三章是以結(jié)構(gòu)-行為-績(jī)效范式和五力模型為工具,全面分析了貴陽(yáng)車險(xiǎn)市場(chǎng)競(jìng)爭(zhēng)狀況和經(jīng)營(yíng)環(huán)境,此章節(jié)還對(duì)車險(xiǎn)價(jià)格競(jìng)爭(zhēng)歷程進(jìn)行了梳理和回顧;第四章選取兩家典型性經(jīng)營(yíng)機(jī)構(gòu)--P公司和A公司,對(duì)他們的價(jià)格競(jìng)爭(zhēng)策略和競(jìng)爭(zhēng)互動(dòng)進(jìn)行了比較研究,并對(duì)比較結(jié)果進(jìn)行評(píng)價(jià);第五章則針對(duì)第四章的比較結(jié)果,就P公司的競(jìng)爭(zhēng)策略提出經(jīng)營(yíng)改進(jìn)建議,明確了改進(jìn)的路徑和方法,第六章歸納出論文的基本結(jié)論和論文存在的創(chuàng)新點(diǎn)及不足。
[Abstract]:Auto insurance is the leading insurance of property insurance companies. Since 2003, the price competition of auto insurance has been accompanied by the process of marketization. Car insurance price is related to the interests of many car owners. It has always been the focus of public attention and regulatory supervision. The thesis selects the automobile insurance competition strategy as the research content. This paper applies S-C-P paradigm and five forces model of industrial organization theory to analyze the status of auto insurance price competition in Guiyang market, and based on the dynamic competitive strategy theory, combined with the principle of car insurance rate determination. Based on the price competition model in oligopoly mode, this paper analyzes how to identify the important competitors and their strategies by using market commonality, resource similarity and AMC framework in oligopoly market. And through the price competition interaction research between P company and the main competitor A company, it is proved that price competition behavior is an effective market competition means. And reasonable price competition can increase market share and gain more profit margin than the market average, in this case. Precision pricing and differential price combination are the core competence to participate in price competition. The first chapter describes the purpose and background of the research, and collates the current research results at home and abroad. The current situation of the research in the field of auto insurance price is clarified. The second chapter introduces the basic theory of dynamic competition, vehicle rate determination, price competition model under oligopoly mode, which provides the necessary theoretical support for the demonstration. The third chapter is based on structure-behavior-performance paradigm and five-force model as a tool, the overall analysis of Guiyang auto insurance market competition and business environment, this chapter also combed and reviewed the process of auto insurance price competition; Chapter 4th selects two typical operating organizations P and A companies to compare their price competition strategies and competition interaction, and evaluate the results of the comparison; According to the comparative results of Chapter 4th, Chapter 5th puts forward some suggestions for the improvement of P Company's competitive strategy, and clarifies the path and method of improvement. Chapter 6th summarizes the basic conclusions of the paper and the innovative points and shortcomings of the paper.
【學(xué)位授予單位】：貴州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F842.634

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本文編號(hào)：1358058