福建保险业的竞争力分析

论文编号:GM140     论文字数:13970,页数:19

摘   要

      21世纪后福建的保险业进一步开放，迎来了千载难逢的机会，发展呈现质的飞跃。但是，福建保险业存在着很多的问题，与发达国家相比差距较大，从世界贸易组织谈判中美协议关于保险行业条款以及中方对市场开放的承诺中，中国保险业逐步开放、不断国际化的趋势是不可逆转的。在世贸组织中，服务业开放基于两大基本原则——市场准入和国民待遇，保险行业将在此原则和框架下开放市场。本文主要对中美的保险竞争力进行了分析和研究。将保险业竞争力的评价分为两个方面：一是现实竞争力评价，主要通过资产规模质量、盈利能力、市场份额、投资能力等指标来评价;二是潜在竞争力，主要比较一些可能对保险公司的竞争力起着关键作用的制度性因素，例如两国的保险监管制度、法人治理结构等内容，从而得出了福建保险业存在的差距，并提出传统保险产品向现代保险产品的转变，开发新险种，发展新市场，重视保险资金的运用，增加保险资金运用方式，建立专门的保险投资部门或机构，建立和完善保险行业的专业制度系统等建议

[关键词]  竞争  保险业  福建   比较优势

                                  Abstract

The policy of open and regulation will be executed for the second time in our country since our country got into the WTO. The insurance industry will be tendency to go for the open and international situation gradually continuously owing to the contract that China has promised.
This article has broken up two sides for the comment of insurance industry by the means of analyzing the insurance industry, one side is the comment of competitive capacity in reality, which cinstitutes mainly the quality of the asset scale, profit ability, market`s portion, investment ability; other side is the potential competitive capacity, which constitutes personal resource, the structure of corporation`s manmgement, such factors will play a key role with competitive capacity for the insurance company probably. As a result, it has gotten out the conclusion that insurance industry existed in problems and the developing tendency for insurance industry in Fu Jian province.

[key word]  Competition  Insurance industry  Fu Jian  Compatitive advantage  

目   录
1 产业竞争力综述 ...................................................2
1.1产业竞争力的决定因素 ............................................2
1.2 波特竞争理论原理............................................... 3
2中国保险业的发展状况以及问题 ......................................3
2.1整体的保险服务业的收入状况 ......................................3
2.2 保险行业存在的主要问题 .........................................4
2.3 保险服务业的外资进入状况 .......................................4
3中国保险业竞争力比较分析 ..........................................4
3.1 市场规模分析 ...................................................5
3.2 中国保险公司经营分析 ...........................................6
3.3相关产业支持状况 ................................................7
3.4 要素供给分析 ...................................................10
4中国保险业面临新形势下的措施 ......................................14
4.1 中国保险业的总体战忽略........................................... 14
4.2 “入世”后中国保险市场结构的调整问题 ...........................14
4.3 “入世”后中国保险业务空间的拓展和制度创新问题 .................15
4.4 重视保险资金的运用 .............................................16
4.5建立和完善保险行业的专业制度系统 ................................16
参考文献 ...........................................................18
致  谢 .............................................................19

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