险公估公司分支机构发展思路.doc

保险公估公司分支机构发展思路 陈功 （广东方中保险公估有限公司,广东 广州 510620） 　　 　　［摘要］分支机构的建设发展，是保险公估公司扩张服务网络，提高服务效率，增强竞争力的重要战略。随着近几年国内保险公估行业的快速发展，完成分支机构的市场战略布局与建设发展服务网络，成为规模较大、基础较好的保险公估公司的工作核心。公司发展的基本成熟，是建设扩张服务网络的基础；公司品牌，对于分支机构在当地的立足与存亡发展，是一个极其重要的因素；进行分支机构设立前的可行性分析，目的是必要的估测与工作步骤的设计；设立模式、管理模式的确定，必须结合公司的长远战略目标，必须有利于公司当前效益的快速提高与规模的增长；细化管理，是分支机构经营成功的关键。 　　［关键词］保险公估公司；分支机构；公司品牌；可行性分析；设立模式；管理模式；细化管理 　　［中图分类号］ F840.31 ［文献标识码］ A ［文章编号］1004-3306（2006）02-0074-05 　　Abstract： Branch deployment is an important strategy of the insurance surveyors and loss adjusters company to expand its service network and enhance its service efficiency. With accelerated development of the insurance survey and loss adjustment business in China in recent years, strategic deployment and development of branch networks have become the key work of sizeable and better established insurance surveyors and loss adjusters company. The basis for service network expansion is that an insurance surveyors and loss adjusters company should reach certain level of maturity in development first. And its brand recognition is crucial for its branch to take hold and survive in its locality. The feasibility study conducted before establishing a branch is a necessary assessment and design of the steps to be taken. The model of initiating a branch and of its management should be in line with the longrun strategic goal of the company and should be conducive to rapidly improving the company’s current profitability and increasing its scale of business. Finally, detailed management is key to the success of a branch company. 　　Key words：insurance surveyors and loss adjusters company; branch network; company brand name; feasibility study; initiation model; management model; detailed management 　　 　　一、保险公估公司分支机构建设的重要性与必要性 　　较之国际先进的保险公估集团，国内保险公估机构的发展起点都是很低的，这不仅体现在资本金规模、人才队伍规模、经营管理水平的差别上，而且也体现在分支机构的发展建设上。目前，200多家保险公估公司中，除屈指可数的几家建有零星分部外，绝大多数都没有分支机构，规模最大的保险公估公司所属的分支机构也没超过15个。英国GAB罗便士(GAB Robins)保险公估集团，在全球44个国家、730个地区设有分支机构与代表处，每年处理170万件以上的索赔案，业务的全球化，可以让他们在世界任何