本文選題：保險業(yè) + 國際競爭力　； 參考：《安徽大學(xué)》2017年碩士論文

【摘要】：保險業(yè)成為當前經(jīng)濟增長中關(guān)鍵的組成部分,是進行風(fēng)險防范的有效途徑,也是一國(或地區(qū))經(jīng)濟實力增強和生活水平不斷改善的展現(xiàn)。保險業(yè)不僅能對居民的生活起到護航作用,而且還是企業(yè)進行風(fēng)險補償?shù)挠行Чぞ?同時對維持一個國家的穩(wěn)定也起到一定的作用。隨著一個國家的不斷發(fā)展與進步,城鄉(xiāng)居民通過購買保險來轉(zhuǎn)嫁自身風(fēng)險的意識不斷增強。20世紀80年代以來,隨著我國保險業(yè)的大門逐步向世界打開,我國保險業(yè)發(fā)展不斷加快,保費規(guī)模不斷擴大,保險市場主體不斷增加,保險服務(wù)能力不斷提升,2016年我國保費收入超越日本,世界排名第二。然而因為我國保險業(yè)開始的時間比較晚,和發(fā)達國家相比保險深度和保險密度都比較低。隨著保險業(yè)國際競爭趨勢不斷加劇,分析保險業(yè)競爭力,不僅有利于保險監(jiān)管部門更好地有效監(jiān)督,而且有利于保險業(yè)有針對性的解決自身不足,對我國保險業(yè)更進一步的提高具有重要意義。本文采用理論和實證兩種方法研究我國保險業(yè)的發(fā)展現(xiàn)狀和競爭力水平。首先是介紹了涉及到的相關(guān)理論,接著分析了現(xiàn)階段我國保險業(yè)的相關(guān)狀況,采用不同的分析指標將我國保險業(yè)的競爭力水平與其他國家進行對比,通過對比可以得出我國保險行業(yè)的競爭優(yōu)勢在國際市場上不具有顯著優(yōu)勢,對比得出我國保險業(yè)國際競爭力長期處于劣勢。其次對從國內(nèi)市場上選取的56個壽險企業(yè)展開競爭優(yōu)勢方面的比較,得出我國的保險企業(yè)在發(fā)展規(guī)模上具有一定實力,但是綜合競爭力與發(fā)達國家相比存在一定的差距,仍然有待進一步提高。再次,選取國內(nèi)市場上43家財險公司展開競爭優(yōu)勢方面的比較,得出我國財險企業(yè)在市場規(guī)模上具有一定優(yōu)勢,外資公司在償付能力上更具有優(yōu)勢。隨后,結(jié)合波特"鉆石模型"分析方法,歸納總結(jié)與我國保險業(yè)競爭力水平有著密切聯(lián)系的相關(guān)因素,并進行回歸分析,了解不同因素的影響程度。最后,為了促進我國保險業(yè)的科學(xué)發(fā)展和競爭力水平的提高,根據(jù)分析的結(jié)論為發(fā)現(xiàn)的問題提出相應(yīng)解決方法。
[Abstract]:The insurance industry has become a key component of the current economic growth, is an effective way to prevent risks, and is also the manifestation of a country (or region) economic strength strengthening and living standard improving. Insurance industry can not only protect the life of residents, but also play an effective role in risk compensation, and also play a certain role in maintaining the stability of a country. With the continuous development and progress of a country, the awareness of urban and rural residents to pass on their own risks by buying insurance has been continuously strengthened. Since the 1980s, the door of our insurance industry has gradually opened to the world. The development of insurance industry in China is accelerating, the scale of insurance premium is expanding, the main body of insurance market is increasing, and the ability of insurance service is being improved. In 2016, China's premium income surpassed that of Japan, ranking second in the world. However, the insurance industry in China started late, and compared with the developed countries, the insurance depth and insurance density are lower. With the increasing trend of international competition in the insurance industry, analyzing the competitiveness of the insurance industry is not only conducive to better and effective supervision of the insurance regulatory authorities, but also conducive to the insurance industry to solve its own shortcomings. It is of great significance to the further improvement of China's insurance industry. This paper studies the present situation and competitive level of insurance industry in China by both theoretical and empirical methods. First of all, it introduces the related theories, then analyzes the current situation of China's insurance industry, and compares the competitiveness of China's insurance industry with other countries by using different analysis indicators. It is concluded that the competitive advantage of China's insurance industry does not have significant advantages in the international market, and that the international competitiveness of China's insurance industry is at a disadvantage for a long time. Secondly, by comparing the competitive advantages of 56 life insurance enterprises selected from the domestic market, it is concluded that the insurance enterprises in our country have a certain strength in the development scale, but there is a certain gap between the comprehensive competitiveness and the developed countries. There is still room for further improvement. Thirdly, we select 43 financial insurance companies in the domestic market to compare their competitive advantages, and draw a conclusion that Chinese property insurance companies have certain advantages in market scale, and foreign companies have more advantages in solvency. Then, combined with Porter's Diamond Model, the author summarizes the related factors which are closely related to the competitiveness of insurance industry in China, and carries out regression analysis to understand the influence of different factors. Finally, in order to promote the scientific development and competitiveness of China's insurance industry, according to the conclusion of the analysis, the corresponding solutions for the problems found are put forward.
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F842

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