外資保險(xiǎn)進(jìn)入后中國人壽保險(xiǎn)公司的發(fā)展對策研究

目 錄
摘要 Ⅲ
Abstract IV
引言 1
1 外資保險(xiǎn)進(jìn)入后對我國壽險(xiǎn)行業(yè)的影響分析 1
1.1我國壽險(xiǎn)業(yè)發(fā)展現(xiàn)狀 2
2外保險(xiǎn)進(jìn)入中國的利弊分析 3
2.1 外資保險(xiǎn)進(jìn)入的不利影響 3
2.1.1觀念的沖擊 3
2.1.2險(xiǎn)監(jiān)管難度加大 3
2.1.3壽險(xiǎn)市場份額被搶占 3
2.1.4客戶被外資優(yōu)質(zhì)產(chǎn)品所吸引 4
2.1.5服務(wù)對民族壽險(xiǎn)造成壓力 4
2.1.6潤率下降 4
2.1.7人才的流失 4
2.1.8術(shù)力量落后形成競爭落差 4
2.2外保險(xiǎn)進(jìn)入的有利影響 5
2.2.1 有利于人壽保險(xiǎn)業(yè)進(jìn)一步深化改革 5
2.2.2 有利于促進(jìn)壽險(xiǎn)中介市場的發(fā)展 5
2.2.3 有利于促進(jìn)經(jīng)營理念和經(jīng)營方式的創(chuàng)新 5
2.2.4 有利于加快險(xiǎn)種創(chuàng)新 5
2.2.5 有利于拓寬服務(wù)領(lǐng)域 6
2.2.6 有利于提高服務(wù)水平 6
3 中國人壽保險(xiǎn)公司在壽險(xiǎn)行業(yè)中的優(yōu)劣分析 7
3.1優(yōu)勢分析 7
3.1.1 行業(yè)主導(dǎo)地位穩(wěn)定 7
3.1.2 深入人心的壽險(xiǎn)品牌 7
3.1.3 擁有最大的全國性客戶群 7
3.1.4 健全的全國性多分銷網(wǎng)絡(luò) 8
3.1.5 遍布全國的客戶支持 8
3.1.6 良好的社會關(guān)系 8
3.1.7 領(lǐng)先的資產(chǎn)管理者 8
3.2劣勢分析 8
3.2.1 產(chǎn)品缺乏創(chuàng)新……………………………………………………………………...8
3.2.2 銷售隊(duì)伍整體水平相對落后……………………………………………………...9
3.2.3 客戶結(jié)構(gòu)不盡合理………………………………………………………………...9
3.2.4 投資渠道相對狹窄………………………………………………………………...9
3.2.5 經(jīng)營觀念過于傳統(tǒng)………………………………………………………………...9
3.2.6 電子信息技術(shù)相對落后...........................................................................................9
4 中國人壽保險(xiǎn)公司的發(fā)展對策………………………………………………………... 10
4.1 大力實(shí)施品牌戰(zhàn)略………………………………………………………………….10
4.2 推進(jìn)產(chǎn)品創(chuàng)新……………………………………………………………………….11
4.3 注重人力資源的開發(fā).................................................................................................11
4.4 深化服務(wù)功能提高服務(wù)質(zhì)量……………………………………………………….12
4.5 進(jìn)行經(jīng)營觀念創(chuàng)新………………………………………………………………….13
4.6 提高電子信息技術(shù)水平…………………………………………………………….13
結(jié)論…………………………………………………………………………………………...14
參考文獻(xiàn)……………………………………………………………………………………...15
致謝…………………………………………………………………………………………...16

摘 要
近年來，保險(xiǎn)行業(yè)，作為金融產(chǎn)業(yè)中重要的組成部分，是當(dāng)今社會再生產(chǎn)中不可缺少的一個重要環(huán)節(jié)，保險(xiǎn)經(jīng)紀(jì)的發(fā)展，滲透于經(jīng)濟(jì)社會的各個領(lǐng)域，保險(xiǎn)公司與人們的生活息息相關(guān)，有著重要的社會地位，所面臨的機(jī)遇與挑戰(zhàn)都令人關(guān)注。而目前，在保監(jiān)會等待審核獲準(zhǔn)進(jìn)入中國的外資保險(xiǎn)的沖擊下，如何加快我國保險(xiǎn)公司的發(fā)展與革新步伐，已成為重中之重。本文以壽險(xiǎn)行業(yè)這一保險(xiǎn)行業(yè)中的重要分支為主要研究方向，深入分析我國壽險(xiǎn)業(yè)現(xiàn)狀及外資保險(xiǎn)進(jìn)入中國后，對我國整個壽險(xiǎn)行業(yè)的有利影響和不利影響，并以中國人壽保險(xiǎn)公司為主要研究對象，分析其在壽險(xiǎn)行業(yè)中的重要地位，以及其自身的優(yōu)劣勢，并著力探討了中國人壽保險(xiǎn)公司在當(dāng)今環(huán)境下的種種可行應(yīng)對策略，以求為我國壽險(xiǎn)行業(yè)的發(fā)展提供一些可供參考之處。

關(guān)鍵詞：外資保險(xiǎn)；壽險(xiǎn)業(yè)；經(jīng)營創(chuàng)新；品牌戰(zhàn)略


Abstract

Nowadays, the insurance industry, as a financial industry is an important part of social reproduction, is now an indispensable part, insurance brokerage development and penetration in economic society eachdomain, insurance companies and people's life, has the important status in society, the opportunities and challenges faced by all concerned. But at present, in China for approval by the circ admitted to the impact of foreign insurance, how to speed up the development of our country's insurance company with innovation pace, has become priority. Based on the life insurance industry an important branch of the insurance industry as the main research direction, this paper analyses present situation and foreign insurance pp.406-423 entering China in China after the whole life insurance industry, the favorable influence and adverse effects, and with China life insurance company as the main research object, and analyzes its important role in the life insurance industry, as well as its own advantages and disadvantages, and emphatically discusses China life insurance company in today's environment, for the variety of feasible countermeasures for the development of life insurance industry in China to provide some reference points

Keywords: Foreign-funded insurance; Life insurance industry; Innovation;Brand strategy