中资寿险公司业务发展策略研究.pdf

中资寿险公司业务发展策略研究 摘 要 上个世纪八十年代以来，在我国经济快速、平稳发展的背景下，我国人寿保险 行业也进入了快速发展阶段。整个寿险市场蕴涵着巨大的发展潜力。在我国开放寿 险市场后，外资寿险公司迅速进入国内市场，并与中资寿险公司展开了激烈地竞争。 本文在深入分析我国寿险市场现状的基础上，通过将中外寿险公司在产品、客户服 务、销售方式、人力资源、机构设置等方面的经营状况进行对比，找出中资寿险公 司与外资寿险公司之间存在的差距，最后针对发现的问题为中资寿险公司提出了相 应的发展策略。 关键词：中外寿险公司，人寿保险，发展差距，竞争策略 I 中资寿险公司业务发展策略研究 Abstract Since 1980s, under the background of the fast and steady economic development of our country , China life insurance industry also entered the stage of fast development. The whole life insurance market contains enormous development potential, therefore after the life insurance market was opened, the foreign life insurance company will quickly enter into Chinese market, which will generate fierce competitions with domestic companies. Based on the thorough analysis on the current Chinese life insurance market, the thesis compared the difference between domestic market and foreign market on the aspects of product, customer service, sales channel, human resource ,organization establishing and so on, and finally puts forward the strategies for the Chinese life insurance. Key words ：domestic and overseas companies, life insurance, difference in development, strategy for competition II 中资寿险公司业务发展策略研究 目 录 第一章 前言……………………………………………………………………………1 第二章 我国寿险业的发展现状及趋势………………………………………………2 2.1 我国寿险业发展现状及特点…………………………………………………2 2.2 中资寿险公司发展中面临的问题……………………………………………3 2.2.1 寿险市场竞争呈现无序状态…………………………………………………………3 2.2.2 保险业务经营较为粗放低效…………………………………………………………4 2.2.3 客户服务选择更加理性谨慎…