本文選題：壽險(xiǎn)公司　切入點(diǎn)：利潤(rùn)影響因素　出處：《廣西大學(xué)》2014年碩士論文

【摘要】：影響我國(guó)壽險(xiǎn)公司利潤(rùn)的因素有哪些?為何壽險(xiǎn)公司的盈利狀況相差甚遠(yuǎn)?要客觀的解決這些問題,必先探明是哪些影響因素以及這些因素的影響路徑和影響程度。在實(shí)證分析方面,以我國(guó)42家主要壽險(xiǎn)公司的經(jīng)營(yíng)數(shù)據(jù)為基礎(chǔ),使用因子分析法和多元回歸分析進(jìn)行研究,研究表明：我國(guó)壽險(xiǎn)公司存在規(guī)模效益,大型壽險(xiǎn)公司盈利高于中小壽險(xiǎn)公司；保單質(zhì)量下降對(duì)公司的利潤(rùn)具有較大負(fù)面影響；投資因素是影響壽險(xiǎn)公司利潤(rùn)的重要因素。本文認(rèn)為提高我國(guó)壽險(xiǎn)公司利潤(rùn)的措施有：大型壽險(xiǎn)公司利用自身規(guī)模提升公司經(jīng)營(yíng)效益,擴(kuò)大投資收益,中小壽險(xiǎn)公司在問不經(jīng)營(yíng)的基礎(chǔ)上,提高承保質(zhì)量,減少賠付支出,提高利潤(rùn)；為此就要拓寬壽險(xiǎn)資金的投資渠道,增加投資利潤(rùn),加大產(chǎn)品創(chuàng)新和品牌建設(shè)力度,加強(qiáng)內(nèi)部經(jīng)濟(jì)核算,嚴(yán)控費(fèi)用支出,加強(qiáng)業(yè)務(wù)風(fēng)險(xiǎn)控制能力。
[Abstract]:What are the factors that affect the profit of life insurance companies in China?Why does the profit position of life insurance companies differ so far?In order to solve these problems objectively, we must find out which influencing factors and the influence path and degree of these factors.In the empirical analysis, based on the management data of 42 major life insurance companies in China, factor analysis and multiple regression analysis are used to study. The results show that there are economies of scale in life insurance companies in China.The profit of large life insurance company is higher than that of medium and small life insurance company, the quality of insurance policy has negative influence on the profit of the company, and the investment factor is the important factor that affects the profit of life insurance company.This paper holds that the measures to improve the profit of life insurance companies in our country include: large life insurance companies use their own scale to improve their operating efficiency, expand their investment income, and small and medium-sized life insurance companies, on the basis of not operating, improve the underwriting quality and reduce the payout.Therefore, it is necessary to broaden the investment channels of life insurance funds, increase investment profits, increase product innovation and brand construction, strengthen internal economic accounting, strictly control expenditure, and strengthen the ability of business risk control.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.3;F840.4

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