北京中小寿险公司可持续发展研究-金融学专业论文.docxVIP

I I 摘 要 北京中小寿险公司作为北京保险市场重要的参与主体，其可持续发展对保持 市场活力，增强北京保险业服务经济社会能力具有重要的作用。但是，当前北京 中小寿险公司在发展中存在的诸多问题却严重制约了其自身的发展，也对北京保 险业的整体发展产生了负面影响。与此同时，随着北京社会经济的快速发展，人 们自身的保险需求也呈多样化、差异化，保险业发展空间不断扩大；中小寿险公 司如何在保险业大发展的背景下摒弃痼疾，提升核心竞争力，并最终实现可持续 发展的良性发展模式是其面临的当务之急。 本文以北京中小寿险公司的可持续发展为研究对象,按照提出问题、分析问 题、解决问题的思路进行研究。首先，本文结合北京保险市场的发展现状和市场 主体的特点对北京中小寿险公司进行了界定，并且在归纳出现阶段北京中小寿险 公司发展特点的基础上对北京中小寿险公司的发展类型做出了稳健发展型、市场 跟随型和停滞萎缩型三种界定。第二，本文深入挖掘了北京中小寿险公司发展中 存在的主要问题，分别是市场认可度低、战略导向模糊、业务同质化严重、基础 管理薄弱、成本管理水平较差、人才缺口严重等，并在此基础上分析了上述问题 产生的内外部症结。第三，本文按照市场参与主体的逻辑顺序，从监管部门创造 外部发展环境、中小寿险公司提升自身核心竞争力和行业组织提供发展助力的角 度对北京中小寿险公司实现可持续发展提出了具体的政策建议。 关键词：北京，中小寿险公司，可持续发展 II II Abstract As important participants of Beijing’s insurance market, small and medium-sized insurance companies and their sustainable development are playing a significant role by keeping the market vigor and strengthening the economical and social influence of Beijing insurance services. However, problems as unclear strategic direction, the homogenization of products, etc, are not only restricting their further development severely, also impacting negatively towards whole insurance industry of Beijing. Meanwhile, with the rapid economic development, people are demanding insurance products to be more diversified and differentiated, which bring even more space for Beijing’s insurance industry’s development. Given this background, to answer the question of how small and medium-sized insurance companies could conquer their problems, promote their core competiveness, implement sustainable development, become their top priority. In this paper we are focusing on the sustainable development of Beijing’s small and medium-sized insurance companies, by raising the question, analysis it and providing the possible solution. Firstly, based on current development of Beijing’s insurance market and characteristic of insurance companies, we selected the small and medium-sized insurance companies and divided them into three development patterns: ‘steady developing’, ‘market follo