保险产品结构与保险业增长的动态优化决策分析.pdfVIP

，震稠攀}2011 年Jl月·第 25 卷·第 11 期{总第 143 期) i管理科学1 1呆险产昆结构与 ?果险~:t雷夫的勤定优Tt:，决策汾析 蒲成毅1 气潘小军2 (1.对外经济贸易大学保险学院，北京l(则29;2. 西南民族大学经济学院，成都 61∞41) 摘要:通过保险产品结构与消费者满意度关系的研究，认为随着保险发展的社会经济环境、消费者数量与消费偏好 层次结构的改变，只要按照保险产品功能结构与消费者满意度间的合理匹配关系来经营，就能够有效地避免保险 资源浪费，实现规模经济、范围经济和速度经济的最佳结合，实现保险经济活动的价值最大化，实现保险业最优增 长，即健康持续发展。而保险产品结构变化和保险产业结构演化则是消费者需求变化和社会经济发展客观要求与 保险业研发推出多样化的功能险种的能力间的矛盾运动结果。 关键词:保险产品结构;保险业增长;动态优化;决策分析 中圄分类号:目40 文献标识码:A 文章编号:1∞1 -制09(2011) 11 -α)46 -06 Analysis of Insurance Product Structure and Optimal Growth of Insurance Industry PU Che吨_yi， .2 ， PAN xiω·junz (1. School 01 Insurance , Uni1JeTlity ollntemational 8wi1leS$ Ecorwm阳， 8e伊nglαX29; 2. sc阳，l 01 8wineu , soωhu四 University lor Ncúionalities ， 伽略du 61∞41) Abstract: 币ús paper researches the relationship be棚een insurance product structure and consumer satisfaction. With the change of social economic environment , change of consumerφ姐ntity and hierarchical structure of consumption pref- erence , according to the rational matching relationship betw回n in8urance product function 由ucture and consumer satiø- faction , it will effectively avoid the waste of insurance re创町C饵， achieve best comhination of econonúes of scale , scope 衍。nomy and econonúc speed , realize the maximization of the value of insurance econonúc activities , and realize the opti- mal growth , namely the sustainable development. 币le change of insurance product and indu8try structureø iø the l剧Jlt of ωnsumer demand change , objective requirement of social econonúc development and insurance cap且bility of launching diversified products. Key words: insurance product 8tructure; 由e growth