财险公司经营短期人身保险的现状分析.docxVIP

财险公司经营短期人身保险的现状分析—以太平洋财产保险深圳分公司为例

【摘要】2003年新《保险法》实施后，财产保险公司开始兼营短期人身保险业务。十七年过去了，短期人身险市场需求量越来越大，繁荣背后，经营短期人身险的各种利弊不容忽视。财险公司如何科学合理地经营短期人身险，是目前急需解决的问题。明确财险公司短期人身险业务的经营现状，为财险公司规划未来的发展蓝图和政府完善保险政策提供相关依据。基于宏观环境分析方法即PEST分析，对财险公司经营的宏观环境进行分析；基于内部条件下的态势分析即经营优势与劣势分析。结合经营环境与经营现状，财险公司应运用科学的管理模式，吸收人才资源，着眼客户需求进行产品开发创新；政府应建立健全保险行业监管制度，协助财险公司加强风险防范。

【关键词】财产保险公司；短期人身保险；经营环境；保险需求

Analysisonthecurrentsituationofshort-termlifeinsuranceoperatedbypropertyinsurancecompanies—TakeShenzhenBranchofPacificPropertyInsuranceCo.,Ltdasanexample

[Abstract]ThenewInsuranceLawcarriedoutin2003,sincethenpropertyinsurancecompaniesbegantoholdconcurrentlyshort-termlifeinsurancebusiness.Seventeenyearshavepassed,theshort-termlifeinsurancemarketdemandislarger,behindtheprosperity,theadvantagesanddisadvantagesofshort-termlifeinsurancecan’tbeignored.Thescientificandrationalmanagementofshort-termlifeinsuranceisanurgentissue.Clarifytheoperatingconditionsofthepropertyinsurancecompany’sshort-termlifeinsurancebusinesstoprovidearelevantbasisforthepropertyinsurancecompanytoplanitsfuturedevelopmentplanandimprovepolicygovernance.ThemacroenvironmentofpropertyinsurancecompanieswasanalyzedbasedonPESTsmacro-environmentalanalysismethodology.Thesituationanalysisbasedoninternalconditionistheanalysisofbusinessadvantageanddisadvantage.Propertyinsurancecompaniesshouldcombinetheoperatingenvironmentandoperatingstatus,adoptscientificmanagement,absorbhumanresources,andpayattentiontocustomersneedsforproductdevelopmentandinnovation.Thegovernmentshouldestablishandimprovetheinsuranceregulatorysystemtohelpself-ownedinsurancecompaniestostrengthenriskprevention.

[Keywords]propertyinsurancecompany,short-termlifeinsurance,businessenvironment,insurancedemand

目录

TOC\o1-2\h\z\t标题3,31.前言 1

1.1研究背景及意义 1

1.1.1背景介绍 1

1.1.2研究意义