Y公司青島市車險業(yè)務競爭戰(zhàn)略研究
發(fā)布時間：2019-04-12 14:58
【摘要】：我國保險業(yè),經(jīng)過改革開放30年特別是最近10多年的快速發(fā)展,已經(jīng)進入了一個嶄新的發(fā)展階段,站在了一個新的、更高的起跑線上。2006年,國務院審議通過了《國務院關(guān)于保險業(yè)改革發(fā)展的若干意見》,為我國保險業(yè)的發(fā)展指明了方向。雖然,我國保險業(yè)保費總量得到了快速的增長,但無論從保險深度和保險密度等方面衡量,與西方發(fā)達國家的保險業(yè)還存在著很大的差距。 財產(chǎn)保險是以財產(chǎn)及其有關(guān)利益為保險標的的一種保險,包括財產(chǎn)損失保險、責任保險、信用保險等。財產(chǎn)保險在社會保障管理、社會風險管理及社會信用管理等方面發(fā)揮著重要的作用。隨著我國汽車保有量的不斷提高,近些年來,財產(chǎn)保險業(yè)務中車險業(yè)務的占比已超過60%,車險業(yè)務的經(jīng)營好壞,對于整個產(chǎn)險業(yè)的穩(wěn)定發(fā)展起著非常重要的作用。按照中國加入WTO時簽訂的協(xié)議,我國嚴格的履行了入世時的相關(guān)承諾。2012年2月14日,中國和美國雙方發(fā)布了《關(guān)于加強中美經(jīng)濟合作關(guān)系的聯(lián)合聲明》,2012年3月30日,我國公布了《國務院關(guān)于修改機動車交通事故責任強制保險條例的決定》,決定對外資保險公司放開交強險業(yè)務,這也就預示著我國車險業(yè)務的全面放開。在我國車險產(chǎn)品高度同質(zhì)化、行業(yè)主體快速增加、市場全面對外開放的現(xiàn)實情況下,車險業(yè)務的競爭將進入一個更加激烈的時代。 青島市是國家最早設(shè)立的14個沿海開放港口城市之一,1994年又被國務院列為全國15個副省級城市之一,近些年來在國家宏觀經(jīng)濟高速發(fā)展的大背景下,青島市的經(jīng)濟也得到了快速的發(fā)展。2004年8月,經(jīng)中國保險監(jiān)督管理委員會(以下簡稱保監(jiān)會)批準,中國保險監(jiān)督管理委員會青島監(jiān)管局(以下簡稱青島保監(jiān)局)正式成立,負責青島市保險業(yè)監(jiān)管工作,國內(nèi)各產(chǎn)險公司在青島市的分支機構(gòu)也都為省級分公司建制。Y公司是一家擁有強大股東背景的產(chǎn)險公司,公司成立特別是近幾年來,依托股東的強力支持,基本完成了全國省級分公司網(wǎng)點的鋪設(shè),近年來車險業(yè)務也得到了快速的發(fā)展。按照Y公司的整體規(guī)劃和布局,該公司在青島市也設(shè)立了分公司(以下簡稱Y公司青島分公司),業(yè)務規(guī)模在不斷的壯大。 在上述車險業(yè)務發(fā)展的大背景下,Y公司青島分公司車險業(yè)務的發(fā)展經(jīng)過創(chuàng)業(yè)期的快速增長后,逐步進入發(fā)展的“瓶頸”階段。在此種情況下,如何正視公司車險業(yè)務發(fā)展所面臨的問題和困難,并在新的形勢下能夠制定切實可行的車險競爭策略,對保持Y公司在青島市產(chǎn)險市場的長期、穩(wěn)健發(fā)展都具有重要意義。 本文以企業(yè)戰(zhàn)略等相關(guān)管理理論為基礎(chǔ),結(jié)合我國財產(chǎn)保險行業(yè)發(fā)展的大背景,借鑒發(fā)達國家的先進經(jīng)驗,以Y公司青島市車險業(yè)務競爭戰(zhàn)略選擇為研究對象,運用PEST、SWOT、五力等分析工具模型,詳細剖析了Y公司青島分公司車險業(yè)務發(fā)展的競爭優(yōu)勢和劣勢,所面臨的機遇和威脅,提出了Y公司青島市車險業(yè)務車型分類差異化、渠道分類差異化及客戶服務差異化競爭戰(zhàn)略的選擇方案,同時也提出了有效的實施上述競爭戰(zhàn)略的措施和保障,對Y公司青島分公司不斷提升車險業(yè)務的核心競爭能力,保持公司健康、可持續(xù)發(fā)展具有重要的意義,也對行業(yè)內(nèi)的中小產(chǎn)險公司的車險競爭戰(zhàn)略的選擇,提供了一定的參考。
[Abstract]:China's insurance industry, through the reform and opening-up in the past 30 years, especially the rapid development of the last 10 years, has entered a new stage of development, standing in a new and higher starting line. In 2006, the State Council considered the adoption of the State Council's Views on the Development of the Insurance Industry, The direction is pointed out for the development of the insurance industry in our country. Although China's insurance premium has been growing rapidly, the insurance industry in the western developed countries still has a big gap, whether it is measured from the insurance depth and the insurance density. Property insurance is a kind of insurance with property and its related interests as the subject of insurance, including property damage insurance, liability insurance, credit insurance The property insurance plays an important role in social security management, social risk management and social credit management. In recent years, the proportion of the car insurance business in the property insurance business has been more than 60%, and the operation of the car insurance business is very important for the stable development of the whole insurance industry in recent years. China and the United States issued a joint statement on strengthening the relationship between China and the United States on February 14,2012. On the day, my country released the Decision of the State Council on the Regulation of the Compulsory Insurance of Motor Vehicle Traffic Accident, and decided to release the traffic insurance business for the foreign insurance company, which also indicates the overall discharge of the car insurance business in China. On the other hand, the competition of the car insurance business will enter a more fierce competition in the case of the high degree of homogenization of the automobile insurance products, the rapid growth of the industrial main body and the overall opening of the market As one of the first 14 coastal open port cities established by the State, in 1994, the State Council was one of the 15 sub-provincial cities in the country. In recent years, the economy of Qingdao has been developed rapidly in the background of the high-speed development of the country's macro-economy. In August, after the approval of the China Insurance Regulatory Commission (hereinafter referred to as the CIRC), the China Insurance Regulatory Commission (hereinafter referred to as the "Qingdao Baoji Bureau") was formally established to be responsible for the supervision of the insurance of Qingdao The operation of the pipe and the domestic insurance companies in Qingdao are also the provincial branch offices. The company is formed. Y is a risk-producing company with a strong shareholder background. In recent years, the company has set up especially in recent years, relying on the strong support of the shareholders, basically completed the laying of the branch of the provincial branch of the whole country, and in recent years, the car insurance business has also been fast In accordance with the overall planning and layout of the Company, the company has also set up a branch in Qingdao (hereinafter referred to as Y Company, Qingdao Branch), and the business scale is continuously In the background of the development of the above-mentioned vehicle insurance business, the development of the car insurance business of the Company of Qingdao Branch of the Company has gone through the rapid growth of the start-up period, and gradually entered the development of the "Bottleneck" stage. In this case, how to face the problems and difficulties faced by the development of the company's car insurance business, and to be able to develop practical vehicle-risk competition strategy in the new situation, to keep the long-term and steady development of the Y-Company in Qingdao's production insurance market Based on the relevant management theories such as the enterprise strategy, this paper, based on the development of the property insurance industry in our country, draws on the advanced experience of the developed countries, and chooses the competition strategy of the vehicle insurance business in the Y company as the research object, and uses the PEST, the SWOT and the five-force. Based on the analysis tool model, the competitive advantage and disadvantage of the development of the car insurance business in Qingdao Branch of Y Company are analyzed in detail, and the opportunities and threats to the development of the vehicle insurance business of Qingdao Branch of the Company are analyzed in detail. The classification and differentiation of the vehicle insurance business model, the differentiation of the channel classification and the differentiated competition of the customer service are put forward. The choice of strategy is also put forward to effectively implement the measures and guarantee of the above-mentioned competition strategy, and the company of Qingdao Branch of Y Company is constantly improving the core competitiveness of the vehicle insurance business and keeping the company's healthy and sustainable development It is of great significance, and is also the choice of the competition strategy for the car insurance of small and medium-sized and small-sized companies in the industry.
【學位授予單位】：山東大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F842.634
本文編號：2457119
[Abstract]:China's insurance industry, through the reform and opening-up in the past 30 years, especially the rapid development of the last 10 years, has entered a new stage of development, standing in a new and higher starting line. In 2006, the State Council considered the adoption of the State Council's Views on the Development of the Insurance Industry, The direction is pointed out for the development of the insurance industry in our country. Although China's insurance premium has been growing rapidly, the insurance industry in the western developed countries still has a big gap, whether it is measured from the insurance depth and the insurance density. Property insurance is a kind of insurance with property and its related interests as the subject of insurance, including property damage insurance, liability insurance, credit insurance The property insurance plays an important role in social security management, social risk management and social credit management. In recent years, the proportion of the car insurance business in the property insurance business has been more than 60%, and the operation of the car insurance business is very important for the stable development of the whole insurance industry in recent years. China and the United States issued a joint statement on strengthening the relationship between China and the United States on February 14,2012. On the day, my country released the Decision of the State Council on the Regulation of the Compulsory Insurance of Motor Vehicle Traffic Accident, and decided to release the traffic insurance business for the foreign insurance company, which also indicates the overall discharge of the car insurance business in China. On the other hand, the competition of the car insurance business will enter a more fierce competition in the case of the high degree of homogenization of the automobile insurance products, the rapid growth of the industrial main body and the overall opening of the market As one of the first 14 coastal open port cities established by the State, in 1994, the State Council was one of the 15 sub-provincial cities in the country. In recent years, the economy of Qingdao has been developed rapidly in the background of the high-speed development of the country's macro-economy. In August, after the approval of the China Insurance Regulatory Commission (hereinafter referred to as the CIRC), the China Insurance Regulatory Commission (hereinafter referred to as the "Qingdao Baoji Bureau") was formally established to be responsible for the supervision of the insurance of Qingdao The operation of the pipe and the domestic insurance companies in Qingdao are also the provincial branch offices. The company is formed. Y is a risk-producing company with a strong shareholder background. In recent years, the company has set up especially in recent years, relying on the strong support of the shareholders, basically completed the laying of the branch of the provincial branch of the whole country, and in recent years, the car insurance business has also been fast In accordance with the overall planning and layout of the Company, the company has also set up a branch in Qingdao (hereinafter referred to as Y Company, Qingdao Branch), and the business scale is continuously In the background of the development of the above-mentioned vehicle insurance business, the development of the car insurance business of the Company of Qingdao Branch of the Company has gone through the rapid growth of the start-up period, and gradually entered the development of the "Bottleneck" stage. In this case, how to face the problems and difficulties faced by the development of the company's car insurance business, and to be able to develop practical vehicle-risk competition strategy in the new situation, to keep the long-term and steady development of the Y-Company in Qingdao's production insurance market Based on the relevant management theories such as the enterprise strategy, this paper, based on the development of the property insurance industry in our country, draws on the advanced experience of the developed countries, and chooses the competition strategy of the vehicle insurance business in the Y company as the research object, and uses the PEST, the SWOT and the five-force. Based on the analysis tool model, the competitive advantage and disadvantage of the development of the car insurance business in Qingdao Branch of Y Company are analyzed in detail, and the opportunities and threats to the development of the vehicle insurance business of Qingdao Branch of the Company are analyzed in detail. The classification and differentiation of the vehicle insurance business model, the differentiation of the channel classification and the differentiated competition of the customer service are put forward. The choice of strategy is also put forward to effectively implement the measures and guarantee of the above-mentioned competition strategy, and the company of Qingdao Branch of Y Company is constantly improving the core competitiveness of the vehicle insurance business and keeping the company's healthy and sustainable development It is of great significance, and is also the choice of the competition strategy for the car insurance of small and medium-sized and small-sized companies in the industry.
【學位授予單位】：山東大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F842.634
【參考文獻】
相關(guān)期刊論文 前9條
1 鄭偉;;保險消費者權(quán)益保護:機制框架、國際經(jīng)驗與政策建議[J];保險研究;2012年03期
2 慈中陽;;汽車保險發(fā)展歷程與現(xiàn)狀淺析[J];經(jīng)濟與管理;2006年02期
3 汪麗;;車險費率市場化及國內(nèi)財險公司的應對策略[J];上海金融學院學報;2011年04期
4 張寧靜;;試析機動車交通事故責任強制保險[J];交通企業(yè)管理;2007年03期
5 陳立輝,吳立勛;淺談我國汽車保險現(xiàn)狀及發(fā)展趨勢[J];上海汽車;2004年11期
6 陳力華;杜建耀;;汽車保險制度的國際比較研究[J];特區(qū)經(jīng)濟;2008年10期
7 竺乾華;汽車保險始于何時[J];汽車運用;2002年05期
8 薛恒;;淺談機動車輛保險產(chǎn)品創(chuàng)新的動力因素[J];時代金融;2011年30期
9 黃俊明;;淺談如何提升車險經(jīng)營管理能力[J];時代金融;2011年21期
，本文編號：2457119
本文鏈接：http://sikaile.net/jingjilunwen/bxjjlw/2457119.html
最近更新
教材專著
