本文選題：中資中小產險公司 + 生存現(xiàn)狀　； 參考：《廣西大學》2015年碩士論文

【摘要】：隨著我國經(jīng)濟的快速發(fā)展和市場的逐步開放,產險市場持續(xù)高速增長,大量新公司進入市場。但是近年來產險市場的市場集中度并未明顯下降,產險公司之間呈現(xiàn)出“兩極分化”趨勢：大公司規(guī)模效益雙豐收,大量中小公司卻陷入盈利艱難、規(guī)模徘徊不前的“中等規(guī)模困境”。如何改善中小產險公司的發(fā)展環(huán)境、促進其健康發(fā)展成為我國保險業(yè)面臨的一個重要問題。本文以中資中小產險公司為研究對象,首先介紹中資中小產險公司的發(fā)展歷程和基本情況,然后按照發(fā)現(xiàn)問題、解決問題的思路,以2012年數(shù)據(jù)為樣本,從業(yè)務發(fā)展、盈利能力、成本控制、風險、投資能力、機構和人員七個方面對中資中小產險公司進行了量化分析,使用雷達圖對中資中小產險公司的生存現(xiàn)狀進行了綜合評價,并總結了中資中小產險公司普遍存在的問題；之后從宏觀環(huán)境、行業(yè)環(huán)境和競爭環(huán)境三個層面,分析了中資中小產險公司面臨的外部環(huán)境,最后提出了促進中資中小產險公司發(fā)展的建議：中資中小產險公司要確定自己的定位,選擇恰當?shù)母偁帒?zhàn)略,加強內部管理,提高經(jīng)營效率,引進外部資源,加快發(fā)展。
[Abstract]:With the rapid development of China's economy and the gradual opening of the market, the property insurance market continues to grow at a high speed, and a large number of new companies enter the market. However, the market concentration in the property insurance market has not decreased significantly in recent years, and there is a trend of "polarization" among the property insurance companies: large companies have a good harvest of economies of scale, but a large number of small and medium-sized companies are struggling to make a profit. The "medium scale dilemma" of scale. How to improve the development environment of small and medium-sized property insurance companies and promote their healthy development has become an important problem facing our insurance industry. This paper takes the small and medium-sized property insurance companies of China as the research object, first introduces the development history and basic situation of the small and medium-sized property insurance companies in China, then according to the idea of finding problems and solving the problems, taking the data of 2012 as the sample, from the business development, profitability, Seven aspects of cost control, risk, investment ability, institutions and personnel are analyzed quantitatively to Chinese small and medium-sized property insurance companies, and the survival status of Chinese small and medium-sized property insurance companies is comprehensively evaluated by using radar map. Then, from three aspects of macro environment, industry environment and competition environment, the paper analyzes the external environment faced by small and medium-sized property insurance companies in China. Finally, the paper puts forward some suggestions to promote the development of small and medium-sized property insurance companies in China: Chinese small and medium-sized property insurance companies should determine their own position, choose appropriate competitive strategy, strengthen internal management, improve management efficiency, introduce external resources, and accelerate development.
【學位授予單位】：廣西大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F842.3

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本文編號：2026932