本文選題：郵政保險 + 競爭戰(zhàn)略��； 參考：《天津大學(xué)》2016年碩士論文

【摘要】：保險是現(xiàn)代社會金融體系中的重要產(chǎn)業(yè),防范社會風(fēng)險的基本手段,同樣它也是社會文明程度、經(jīng)濟(jì)發(fā)展水平以及社會治理能力的標(biāo)志自1995年中國郵政開展代理保險業(yè)務(wù)以來,歷經(jīng)20余載,在收獲了良好的經(jīng)營業(yè)績同時,也積累了豐富的保險從業(yè)經(jīng)驗。2009年9月,經(jīng)過三年左右的籌建與準(zhǔn)備,由中國郵政集團(tuán)控股的保險公司-中郵人壽保險股份有限公司(簡稱中郵保險)正式掛牌成立。中郵保險主營業(yè)務(wù)是人身保險產(chǎn)品,基于此本文將以人身保險作為切入點展開具體研究。通過運用外部環(huán)境的PEST分析法,分析得出中郵保險競爭戰(zhàn)略定位為“服務(wù)基層、服務(wù)三農(nóng)”并獨創(chuàng)“自營+代管”特色模式。通過運用SWOT分析工具,分析得出目前中郵保險存在專業(yè)管理人才匱乏、銷售渠道單一,產(chǎn)品種類較少、體制機(jī)制不健全等方面的劣勢。如何在行業(yè)競爭中提高核心競爭力,如何從變化的環(huán)境形勢中把握機(jī)遇,在激烈的市場競爭中找準(zhǔn)位置,是中郵保險需要高度重視的問題。本文通過競爭戰(zhàn)略分析,認(rèn)為中郵保險應(yīng)該充分發(fā)揮郵銀渠道的作用,提高郵銀渠道經(jīng)營質(zhì)效,完善個險、團(tuán)險業(yè)務(wù)功能,強(qiáng)化個險、團(tuán)險配套建設(shè),積極探索電子商務(wù)、互聯(lián)網(wǎng)銷售渠道,構(gòu)建全功能業(yè)務(wù)體系生態(tài)圈,發(fā)揮渠道協(xié)同效應(yīng)、實現(xiàn)鞏固市場、提升價值的目標(biāo)。為實現(xiàn)中郵保險的競爭戰(zhàn)略,本文提出通過資源有效投入、完善運營優(yōu)化、構(gòu)建服務(wù)平臺、提高執(zhí)行力和完善內(nèi)部控制等五個方面提出對策方案,確保競爭戰(zhàn)略的順利實施。
[Abstract]:Insurance is an important industry in the modern social financial system. It is a basic means to prevent social risks. It is also a symbol of the degree of social civilization, the level of economic development and the ability of social governance since China Post began its agency insurance business in 1995. After more than 20 years, in the harvest of good business performance, but also accumulated a wealth of insurance experience. September 2009, after about three years of preparation and preparation, China Post Group controlled insurance company-China Post Life Insurance Co., Ltd. (abbreviated to China Post Insurance) was formally established. The main business of China Post Insurance is personal insurance product. Based on this, this paper will take personal insurance as the starting point to carry out specific research. By using the PEST analysis method of external environment, it is concluded that the competitive strategy of China Post Insurance is "serving the grass roots, serving agriculture, countryside and farmers" and creating the characteristic mode of "self-management". By using the SWOT analysis tool, it is concluded that there are some disadvantages in China Post Insurance at present, such as lack of professional management personnel, single sales channel, less product types, imperfect system and mechanism, and so on. How to improve the core competitiveness in the competition of the industry, how to grasp the opportunity from the changing environment, and find the correct position in the fierce market competition are the problems that need to be paid more attention to in China Post Insurance. Based on the analysis of competitive strategy, this paper holds that China Post Insurance should give full play to the role of postal and bank channels, improve the quality and efficiency of postal banking channels, improve the business functions of individual insurance and group insurance, strengthen the construction of individual risks and group risks, and actively explore electronic commerce. Internet sales channels, the construction of a full-functional business ecosystem, play channel synergy, to consolidate the market and enhance the value of the goal. In order to realize the competitive strategy of China Post Insurance, this paper puts forward five countermeasures to ensure the smooth implementation of the competitive strategy through the effective input of resources, the improvement of operation optimization, the construction of service platform, the improvement of execution ability and the perfection of internal control.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F842.3;F272

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 吳旭東;;郵政金融和保險業(yè)務(wù)創(chuàng)新發(fā)展路徑探析[J];郵政研究;2015年03期

2 王軍安;袁彬;吳文峰;羅安東;王志東;;郵政金融板塊協(xié)同發(fā)展研究[J];郵政研究;2015年02期

3 芮豐;;淺談大數(shù)據(jù)時代郵政代理金融營銷的創(chuàng)新[J];郵政研究;2015年01期

4 周慧敏;孫元杰;謝峰;王仕明;;實現(xiàn)銀保深度合作的創(chuàng)新研究[J];郵政研究;2015年01期

5 吳旭東;;關(guān)于中國郵政保險未來發(fā)展的思考[J];郵政研究;2014年04期

6 周昕;;對KPI考核指標(biāo)體系的分析與研究[J];現(xiàn)代商業(yè);2014年03期

7 熊潔;;電商時代下郵政保險業(yè)務(wù)創(chuàng)新發(fā)展策略[J];郵政研究;2014年01期

8 王菊芬;;淺談宏觀經(jīng)濟(jì)新環(huán)境與政策下我國的保險市場[J];時代金融;2013年33期

9 吳旭東;;創(chuàng)新郵政代理保險業(yè)務(wù)管理研究[J];郵政研究;2013年06期

10 杜兵;方印;;對郵政代理保險業(yè)務(wù)發(fā)展的思考[J];理論觀察;2013年11期

，

本文編號：1897736