新设寿险公司经营中存在的问题和对策研究.pdf

摘??要? 摘 要 本文以 2004 年及以后成立的寿险公司为研究对象（定义其为新设寿险公司），以全 国 35 家寿险公司近三年的年报数据为基础，以保费收入、净利润及偿付能力为指标， 在结合前人研究成果的基础上，对我国新设寿险公司的经营情况进行了分析。首先，本 文给出了新设寿险公司近三年包括保费收入、净利润及偿付能力的整体经营情况。接着 进行了深入的分析，即保费收入的增长分析与渠道分析、净利润情况分析以及偿付能力 分析；分析发现新设寿险公司保费收入增长迅速，2010 年保费收入增长率高达 71%，2011 年也有 11%；新设寿险公司盈利能力不容乐观，仅有个别公司实现稳定盈利；偿付能力 相对充足，但也有个别公司不满足保监会偿付能力管理规定的要求。 根据这三方面的理论与实证分析，本文指出新设寿险公司在经营的过程中存在着业 务增长迅速，业务渠道单一；偿付能力充足，盈利能力堪忧；投资收益占优，承保利润 过低等问题。进而提出了新设寿险公司提高经营能力的建议：积极开展新的营销方式， 优化业务渠道；保险资金分散化投资，提高公司盈利能力；提高承保利润，转变盈利模 式。旨在为新设寿险公司制定长远发展战略时提供些许数据上的参考，使新设寿险公司 能更好地完善自身，提高竞争力，使寿险业能向着稳定、健康、可持续的方向发展。 关键词 新设寿险公司 保费收入 净利润 偿付能力 I Abstract Abstract Based on the annual report of 35 life insurance companies in 2010 and 2011, take the new life insurance companies which were set up in or after 2004 as the object of our study, take the premium income net profit and solvency as the indicators, combining previous research results, this paper is to study the new life insurances companies’ operating condition. First of all, this paper points out the new life insurances companies’ operating condition including premium net profit and solvency in recent three years, and then analyses the premium growth and premium channel and net profit and solvency. After our study, we find that the new life insurance companies have a rapid business growth, the growth rate of premium income was up to 71% in 2010, and 11% in 2011, but the new life insurance companies’ net profit was not that good, only a few of which have a stable net profit, the solvency was quite adequate, but there are still some new life insurance companies can’t meet the request of the solvency ratio. According to the theory and empirical analysis of these three aspects, this paper points out that the