论我国保险市场的竞争与合作 毕业论文.docVIP

论我国保险市场的竞争与合作 摘　　要 保险市场是指参与保险商品交易的各类要素及其相互作用的方式以及实现交易的机制，也就指价格、供求和风险为主的诸要素所形成的有机制约体系。保险市场主要有一般保险业务、寿险、在保险三部分组成。而保险市场的出现也引起社会最哦广泛关注的热点现象——保险市场的竞争与合作。 　　保险市场的竞争，一方面受到市场机制、市场结构、产业竞争程度和保险需求等竞争力外部来源的影响，另一方面取决于保险市场制度安排、人力资本、非人力资本、管理、技术、企业文化、信息化和保险产品等竞争力内部来源状况。 　　激烈的市场竞争导致保险业的不段调整，保险公司在市场竞争中不断发展。 　　保险市场上虽然存在着非常激烈的竞争，但市场上也不乏合作，因为从本质上讲，保险本身就是合作的产物。保险市场上不仅有费率厘定、公共关系、职业教育方面的合作组织，而且还有很多业务上的合作组织。这些合作组织的存在不仅提高了保险也的总体技术水平，而且促进了保险保障质量的提高。 　　本文首先对保险市场的竞争及合作的特点进行了一个概括，然后对我国保险市场的发展、存在的问题及问题的原因进行分析、接着谈我国保险市场的现状及发展趋势，最后就两者的协调发展做出相应的策略，以及以完善我国保险制度使保险市场健康快速稳定的发展。 关键词：保险市场；保险市场竞争；保险市场合作 Abstract Insurance market, insurance, commodity trading is involved in various types of elements and their interaction patterns and the transaction mechanism, also refers to the price, supply and demand and risk-based elements of the organic constrained system formed. Insurance market is mainly general insurance business, life insurance, the insurance of three parts. The emergence of the insurance market also attracted wide attention from societys most Oh, the hot phenomenon - competition and cooperation in the insurance market. Insurance market, insurance, commodity trading is involved in various types of elements and their interaction patterns and the transaction mechanism, also refers to the price, supply and demand and risk-based elements of the organic constrained system formed. Insurance market is mainly general insurance business, life insurance, the insurance of three parts. The emergence of the insurance market also attracted wide attention from societys most Oh, the hot phenomenon - competition and cooperation in the insurance market. Led to fierce competition in the market segment of the insurance industry does not adjust, the insurance company in the market competition continue to develop. The insurance market competition, on the one hand by the market mechanism, market structure, industry and the insurance needs of the level of competition from external sources such as the competitiveness of t