發(fā)布時間：2018-10-05 09:24

【摘要】：隨著經(jīng)濟(jì)社會的快速發(fā)展和國民生活水平的不斷提高,保險業(yè)在經(jīng)濟(jì)社會發(fā)展和國民生活中的作用越來越重要,對于保險行業(yè)來說,可謂是機(jī)遇與挑戰(zhàn)并存。一方面,經(jīng)濟(jì)規(guī)模的擴(kuò)大、社會財富的增長以及城鄉(xiāng)居民收入大幅增長,促進(jìn)了保險需求快速增長；另一方面市場競爭日激趨激烈,參與競爭的主體日益增多,保險公司傳統(tǒng)的經(jīng)營模式受到嚴(yán)峻挑戰(zhàn)。如何在經(jīng)濟(jì)社會發(fā)展新常態(tài)下改善經(jīng)營模式,制定適合自身發(fā)展的戰(zhàn)略,提升市場競爭能力,成為各大保險公司面臨的重要任務(wù)。本文以SC財險公司鄂爾多斯分公司為研究對象,在充分借鑒國內(nèi)外保險公司戰(zhàn)略發(fā)展理論和案例的基礎(chǔ)上,分別借助PEST分析模型和邁克爾·波特的“五力模型”對SC財險公司鄂爾多斯分公司的外部發(fā)展環(huán)境和行業(yè)特征進(jìn)行了分析,得到影響鄂市保險行業(yè)的五種力量中,新的進(jìn)入者和賣方議價能力的威脅較小,而替代品、買方議價能力和現(xiàn)有競爭者的威脅較大的結(jié)論。再從資源和能力兩方面對該公司的內(nèi)部環(huán)境進(jìn)行分析,指出該公司的優(yōu)勢有發(fā)展優(yōu)勢、營銷渠道優(yōu)勢、服務(wù)優(yōu)勢和聲譽(yù)優(yōu)勢,劣勢為市場占有率低、人員整體素質(zhì)偏低和創(chuàng)新能力不強(qiáng)。在此基礎(chǔ)上運用SWOT分析,將SC財險公司鄂爾多斯分公司的機(jī)會、威脅、優(yōu)勢和劣勢相結(jié)合起來,指出多元化的增長戰(zhàn)略是適合該公司發(fā)展的戰(zhàn)略。最后從組織結(jié)構(gòu)、制度建設(shè)、人力資源和技術(shù)保障四個方面闡述了如何保障SC財險公司鄂爾多斯分公司發(fā)展戰(zhàn)略順利實施的具體措施。
[Abstract]:With the rapid development of economy and society and the continuous improvement of national living standard, the role of insurance industry in economic and social development and national life is more and more important, for the insurance industry, it can be said that opportunities and challenges coexist. On the one hand, the expansion of economic scale, the growth of social wealth and the substantial increase of income of urban and rural residents have promoted the rapid growth of insurance demand; on the other hand, the market competition is becoming more and more intense, and the main body participating in the competition is increasing day by day. The traditional business model of insurance company is faced with severe challenge. How to improve the management mode in the new normal state of economic and social development, to formulate the strategy suitable for their own development, and to enhance the market competition ability have become the important tasks faced by the major insurance companies. This paper takes Ordos Branch of SC property Insurance Company as the research object, on the basis of drawing lessons from the domestic and foreign insurance company's strategic development theory and case, With the help of PEST analysis model and Michael Porter's "five Force Model", this paper analyzes the external development environment and industry characteristics of Ordos Branch of SC property Insurance Company, and obtains five kinds of forces that influence the insurance industry in E City. The new entrant and seller's bargaining power is less threatening, while the alternative, buyer's bargaining power and the existing competitor's threat are greater. Then it analyzes the internal environment of the company from two aspects of resources and ability, and points out that the advantages of the company include development advantage, marketing channel advantage, service advantage and reputation advantage, and the inferior position is the low market share. Personnel overall quality is low and innovation ability is not strong. On the basis of SWOT analysis, this paper combines the opportunities, threats, advantages and disadvantages of Ordos Branch of SC property Insurance Company, and points out that the diversified growth strategy is suitable for the development of the company. Finally, from the aspects of organizational structure, system construction, human resources and technical support, this paper expounds the concrete measures to ensure the smooth implementation of the development strategy of Ordos Branch of SC property Insurance Company.
【學(xué)位授予單位】：內(nèi)蒙古財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F272;F842.3
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本文編號：2252854