本文選題：AB人壽　切入點(diǎn)：盈利模式　出處：《吉林大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著我國經(jīng)濟(jì)的發(fā)展，保險(xiǎn)公司業(yè)務(wù)發(fā)展越來越迅速，2009年全國保費(fèi)收入突破一萬億元，比2005年翻了一番，提前完成了“十一五”規(guī)劃目標(biāo)。2010年保監(jiān)會(huì)主席吳定富在陸家嘴論壇上指出了十二五是我國保險(xiǎn)業(yè)發(fā)展的重要戰(zhàn)略時(shí)期，十二五期間我國保險(xiǎn)業(yè)將面臨許多重要的機(jī)遇和挑戰(zhàn)。從我國目前保險(xiǎn)業(yè)的發(fā)展?fàn)顩r看，壽險(xiǎn)公司近幾年保費(fèi)收入增長比較緩慢。根據(jù)中國保監(jiān)會(huì)發(fā)布的統(tǒng)計(jì)數(shù)據(jù)，2011年壽險(xiǎn)全年保費(fèi)收入為9721億元，比2010年下降了8.57%。2012年，中資壽險(xiǎn)公司保費(fèi)收入為9482億元，比2011年增長了3.37%。在壽險(xiǎn)公司盈利增長較緩的情況下，如何才能提高壽險(xiǎn)公司的盈利能力，加強(qiáng)壽險(xiǎn)公司在市場中的競爭，成為一個(gè)重要的研究課題。 AB人壽保險(xiǎn)公司1996年成立，2011年上市，作為剛剛上市不久的大型壽險(xiǎn)公司，其公司的盈利情況關(guān)系到公司未來持續(xù)發(fā)展和公司股價(jià)的走勢。AB人壽吉林分公司是AB人壽的二級(jí)機(jī)構(gòu)，2012年保費(fèi)收入比2011年減少了2個(gè)多億，雖然在全國二級(jí)機(jī)構(gòu)中排名靠前，但是公司的盈利能力不足，承保利潤率較低，因此提高AB人壽吉林分公司的盈利能力成為分公司管理者要解決的一個(gè)問題。 本篇文章分為五部分，第一部分為緒論，主要講述了壽險(xiǎn)公司盈利能力研究的背景和意義，通過對(duì)國內(nèi)外盈利能力研究的綜述，了解了國內(nèi)外盈利能力管理的現(xiàn)狀，并進(jìn)一步明確了本文的研究思路、方法和內(nèi)容，勾畫出了實(shí)證分析的基本框架；第二部分為壽險(xiǎn)盈利能力分析的概述，包括壽險(xiǎn)盈利能力基本概念、評(píng)估方法、分析原則和盈利模式等，這部分為后面實(shí)證研究奠定理論基礎(chǔ)；第三部分分析了AB人壽吉林分公司盈利能力的現(xiàn)狀及問題，通過對(duì)AB人壽吉林分公司盈利能力的現(xiàn)狀進(jìn)行深入分析，發(fā)現(xiàn)AB人壽吉林分公司在盈利能力管理中出現(xiàn)的各種問題；第四部分分析引起AB人壽吉林分公司盈利能力變動(dòng)的因素，包括內(nèi)部因素和外部因素，并對(duì)內(nèi)部和外部因素進(jìn)行了詳細(xì)的描述。第五部分針對(duì)AB人壽吉林分公司盈利能力管理中出現(xiàn)的問題，提出了提高盈利能力的一系列途徑，包括優(yōu)化公司未來發(fā)展的戰(zhàn)略和戰(zhàn)術(shù)，控制管理費(fèi)用，實(shí)行新的銷售策略，強(qiáng)化內(nèi)部控制和風(fēng)險(xiǎn)管理，加強(qiáng)人力資源和資金運(yùn)用的管理水平，優(yōu)化保險(xiǎn)信息系統(tǒng)和數(shù)據(jù)統(tǒng)計(jì)技術(shù)等。以上五部分的分析研究，我們希望能夠通過一系列的途徑，提高AB人壽吉林分公司盈利能力，使AB人壽吉林分公司在未來的經(jīng)營中能夠更加具有競爭力，，最終使吉林分公司的經(jīng)濟(jì)效益走在整個(gè)AB人壽公司分支機(jī)構(gòu)的前列。
[Abstract]:With the development of China's economy, the business of insurance companies is developing more and more rapidly. In 2009, the national premium income exceeded 1 trillion yuan, double that of 2005. The 11th Five-Year Plan was completed ahead of schedule. On 2010, Chairman Wu Dingfu of the Insurance Regulatory Commission pointed out at the Lujiazui Forum that the 12th Five-Year Plan was an important strategic period for the development of China's insurance industry. During the 12th Five-Year Plan period, China's insurance industry will face many important opportunities and challenges. According to statistics released by the China Insurance Regulatory Commission (CIRC), in 2011, the annual premium income of life insurance was 972.1 billion yuan, which was 8.57.2012 compared with 2010, and the premium income of Chinese-funded life insurance companies was 948.2 billion yuan. Compared with 2011, it has increased 3.37. how to improve the profitability of life insurance companies and strengthen the competition of life insurance companies in the market has become an important research subject under the condition that the profit growth of life insurance companies is relatively slow. AB Life Insurance Company was established on 1996 and listed on 2011. The profit situation of the company is related to the company's future development and the trend of the company's stock price. The Jilin Branch of AB Life Insurance is the second-tier institution of AB Life. In 2012, the premium income of the company decreased by more than 200 million compared with 2011, although it ranked first among the national secondary institutions. However, the profit ability of the company is insufficient and the underwriting profit margin is low. Therefore, improving the profitability of the Jilin branch of AB Life Insurance has become a problem to be solved by the branch managers. This article is divided into five parts, the first part is introduction, mainly narrates the background and significance of life insurance company profit ability research, through the summary of domestic and foreign profit ability research, has understood the domestic and foreign profit ability management present situation, The second part is an overview of life insurance profitability analysis, including the basic concept of life insurance profitability, evaluation methods. This part lays a theoretical foundation for the empirical research. The third part analyzes the current situation and problems of the profitability of AB Life Jilin Branch. Through the in-depth analysis of the present situation of the profitability of the Jilin branch of AB Life Insurance Company, it is found that there are various problems in the management of the profitability of the Jilin Branch of AB Life Insurance Company, and the factors that cause the change of the profitability of Jilin Branch of AB Life Insurance Company in 4th are analyzed. It includes internal and external factors, and describes the internal and external factors in detail. Part 5th, aiming at the problems in the management of profit ability of Jilin Branch of AB Life Insurance Company, puts forward a series of ways to improve profitability. Including optimizing the company's strategy and tactics for future development, controlling management costs, implementing new sales strategies, strengthening internal controls and risk management, and strengthening the management level of human resources and the use of funds. We hope to improve the profitability of AB Life Insurance Jilin Branch through a series of ways to optimize the insurance information system and data statistics technology, and so on. The above five parts of the analysis and research, we hope to be able to improve the profitability of AB Life Jilin Branch, So that the Jilin branch of AB Life can be more competitive in the future operation, and finally the economic benefits of Jilin Branch will be in the forefront of the branch of AB Life Company.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.3

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