中國保險(xiǎn)業(yè)進(jìn)入壁壘的降低及應(yīng)對策略

頁數(shù) 22 字?jǐn)?shù) 12760

摘 要
自1980年恢復(fù)國內(nèi)保險(xiǎn)業(yè)務(wù)以來，保險(xiǎn)業(yè)保持了持續(xù)快速發(fā)展的良好勢頭。本論文分析我國保險(xiǎn)業(yè)進(jìn)入壁壘和競爭力問題，并結(jié)合入世后保險(xiǎn)業(yè)的發(fā)展。首先對進(jìn)入壁壘的理論進(jìn)行分析，其中包括對進(jìn)入的定義以及結(jié)構(gòu)主義學(xué)派、行為學(xué)派、可競爭市場理論、新產(chǎn)業(yè)組織理論對進(jìn)入壁壘的研究情況；其次從保險(xiǎn)業(yè)的規(guī)模經(jīng)濟(jì)、保險(xiǎn)業(yè)的經(jīng)營特點(diǎn)、保險(xiǎn)業(yè)必要資本量、保險(xiǎn)業(yè)的政策法律制度等四個方面對我國保險(xiǎn)業(yè)現(xiàn)存的進(jìn)入壁壘的形成原因和特點(diǎn)進(jìn)行分析得出我國保險(xiǎn)業(yè)存在較高的進(jìn)入壁壘；再次對我國保險(xiǎn)業(yè)進(jìn)入壁壘降低的必然性及其影響的各個原因和方面進(jìn)行辯證的分析；最后，總結(jié)出降低進(jìn)入壁壘后我國保險(xiǎn)業(yè)的應(yīng)對的六大策略：充分利用服務(wù)貿(mào)易總協(xié)定的有關(guān)條款、加強(qiáng)監(jiān)管體系建設(shè)、進(jìn)行保險(xiǎn)創(chuàng)新、完善我國再保險(xiǎn)市場、放寬保險(xiǎn)資金的運(yùn)用限制、培養(yǎng)保險(xiǎn)專業(yè)人才，提高從業(yè)人員素質(zhì)，并逐一分析這六大策略。

關(guān)鍵詞：進(jìn)入壁壘,保險(xiǎn)業(yè),降低進(jìn)入壁壘

ABSTRACT
Has restored the domestic insurance business since 1980, the insurance business preserved the good momentum which continues to develop fast. The present paper analyzes our country insurance business to enter the barrier and the competitive power question, after and unifies being WTO entry the insurance business development. First to enters the barrier the theory to carry on the analysis, including to the definition as well as the structuralism school of thought, the behavior school of thought which enters, may the competitive market theory, the new industrial organization theory to enter the barrier the research situation; Next from the insurance business economies of scale, the insurance business management characteristic, the insurance business essential capital quantity, the insurance business policy legal regime and so on four aspects extant enters the barrier to our country insurance business the formation reason and the characteristic carries on the analysis to obtain our country insurance business existence high to enter the barrier; Once more enters inevitable and influence each reason and the aspect to our country insurance business which the barrier reduces carries on the dialectical analysis; Finally, after summarizes reduces enters the barrier our country insurance business to be supposed to six big strategies: Fully using the service trade total agreement related provision, the enhancement supervising and managing system construction, carries on the insurance innovation, consummates our country reinsurance market, the relaxation insurance fund utilization limit, the raise insurance professional, improves the jobholders quality, and analyzes these six big strategies one by one.

KEY WORDS:: Enters barrier; Insurance; Reduces enter barrier;

目 錄
前言……………………………………………………………………1
1進(jìn)入壁壘的理論分析…………………………………………2
1.1進(jìn)入的定義……………………………………………………2
1.2各種理論對進(jìn)入壁壘的研究……………………………………2
1.2.1結(jié)構(gòu)主義學(xué)派對進(jìn)入壁壘的界定……………………………………………2
1.2.2行為學(xué)派對進(jìn)入壁壘的界定…………………………………………………2
1.2.3可競爭市場理論對進(jìn)入壁壘的界定…………………………………………2
1.2.5新產(chǎn)業(yè)組織理論對進(jìn)入壁壘的界定…………………………………………2

2 我國保險(xiǎn)業(yè)現(xiàn)存的進(jìn)入壁壘………………………………………4
2.1保險(xiǎn)業(yè)的規(guī)模經(jīng)濟(jì)………………………………………………4
2.1.1成本低…………………………………………………………………………4
2.1.2大數(shù)定律………………………………………………………………………4
2.2保險(xiǎn)業(yè)的經(jīng)營特點(diǎn)………………………………………………5
2.3保險(xiǎn)業(yè)必要資本量………………………………………………6
2.4保險(xiǎn)業(yè)的政策法律制度…………………………………………6
3我國保險(xiǎn)業(yè)進(jìn)入壁壘降低的必然性及其影響……………………7
3.1降低進(jìn)入壁壘的必要性…………………………………………7
3.1.1降低進(jìn)入壁壘是必然選擇……………………………………………………7
3.1.2降低進(jìn)入壁壘已具備可行性…………………………………………………7
3.1.3降低進(jìn)入壁壘可以優(yōu)化國民經(jīng)濟(jì)的結(jié)構(gòu)……………………………………7
3.1.4降低進(jìn)入壁壘可以促進(jìn)保險(xiǎn)市場改革……………………………………7
3.1.5降低進(jìn)入壁壘有利于保險(xiǎn)業(yè)的發(fā)展…………………………………………7
3.1.6 降低進(jìn)入壁壘可以規(guī)范市場環(huán)境……………………………………………7
3.1.7降低進(jìn)入壁壘有利于普及保險(xiǎn)知識………………………………………7
3.2 降低進(jìn)入壁壘對我國保險(xiǎn)業(yè)的影響……………………………8
3.2.1原有的地域優(yōu)勢將逐漸消失…………………………………………………8
3.2.2保險(xiǎn)市場的競爭將更加激烈…………………………………………………8
3.2.3民族保險(xiǎn)業(yè)將受到一定的沖擊………………………………………………8
3.2.4保險(xiǎn)監(jiān)管面臨改革……………………………………………………………9
3.2.5資金外流面臨潛在可能危險(xiǎn)…………………………………………………9
3.2.6 造成保險(xiǎn)人才的流失…………………………………………………………9
4降低進(jìn)入壁壘后我國保險(xiǎn)業(yè)的應(yīng)對策略…………………………10
4.1充分利用服務(wù)貿(mào)易總協(xié)定的有關(guān)條款，保護(hù)民族保險(xiǎn)業(yè)………10
4.1.1設(shè)立資格………………………………………………………………………10
4.1.2對象選擇………………………………………………………………………10
4.1.3開放市場結(jié)構(gòu)…………………………………………………………………10
4.1.4組織形式………………………………………………………………………10
4.1.5經(jīng)營區(qū)域………………………………………………………………………10
4.1.6業(yè)務(wù)范圍………………………………………………………………………10
4.1.7稅收政策………………………………………………………………………10

4.2加強(qiáng)監(jiān)管體系建設(shè)，盡快向國際慣例靠…………………………11
4.2.1保險(xiǎn)監(jiān)管機(jī)關(guān)履行好這種職責(zé)需要有完善的法律規(guī)章……………………11
4.2.2保險(xiǎn)監(jiān)管機(jī)關(guān)履行好這種職責(zé)需要遵循國際慣例…………………………11
4.2.3保險(xiǎn)監(jiān)管機(jī)關(guān)履行好這種職責(zé)需要行業(yè)內(nèi)部配合監(jiān)管……………………11
4.3進(jìn)行保險(xiǎn)創(chuàng)新，提高競爭能力………………………………11
4.3.1險(xiǎn)種創(chuàng)新為核心………………………………………………………………11
4.3.2以技術(shù)創(chuàng)新為基礎(chǔ)……………………………………………………………12
4.3.3積極推進(jìn)保險(xiǎn)服務(wù)和保險(xiǎn)組織創(chuàng)新…………………………………………12
4.4.3進(jìn)行營銷方式創(chuàng)新……………………………………………………………12
4.4建立和完善我國再保險(xiǎn)市場，促進(jìn)保險(xiǎn)業(yè)健康發(fā)展。…………12
4.5參照國際慣例，放寬保險(xiǎn)資金的運(yùn)用限制?！?2
4.6培養(yǎng)保險(xiǎn)專業(yè)人才，提高從業(yè)人員素質(zhì)?！?2
參考文獻(xiàn)：
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[3] 保險(xiǎn)法
[4] 中國保險(xiǎn)年鑒.2001.2~5
[5] 高鴻業(yè).西方經(jīng)濟(jì)學(xué).中國人民大學(xué)出版社.1996