（毕业设计论文）保险公司专业化经营战略研究.docVIP

PAGE 保险公司专业化经营战略研究 重庆工商大学融智学院 保险 2008级 二班 杨阳 指导教师：谭湘渝 中文摘要：国有保险公司的改革目标、就是要办成符合《保险法》及现代企业制度要求的,自主经营、自担风险、自负盈亏、自我约束的经济实体。保险公司体制改革顺利完成后,各个保险公司已进入运行阶段,如何克服以前的弊端,采用商业化管理办法,实施集约化经营,实现商业化的目标,在扩大再生产的同时,力创最佳经济效益,已成为发展中亟待解决的问题。从国有保险公司自身来说,明确经营策略、提高管理效益至关重要。为了解决市场潜力与市场风险的矛盾，专业化道路是发展我国保险业的必由之路。在现阶段，保险公司应利用现有资源，建立专业化经营的组织架构；培养保险专业人才队伍（如营销、核保、核赔及信息技术人员等）；建立专业化的信息管理系统；开发完善的保险产品体系，将保险业发展壮大。 关键词：国有保险公司 经营策略 体制改革 专业化经营 Abstract：The objectives of the reform of state-owned insurance company, is to do with the insurance law and the requirements of modern enterprise system , manage independently, assume the risks, self-financing, self restraint of economic entities. The insurance company system reform after the successful completion of each insurance company, has entered the operational phase, how to overcome the drawbacks of the previous, commercial management, implementation intensive is changed manage, realize the commercialization of the target, in the expanded reproduction at the same time, to create the best economic benefits, has become the problem that solves urgently in development. From the state-owned insurance company itself, a clear business strategy, improve management efficiency is crucial. In order to solve the contradiction of market potential and market risk, the path of specialization is the development of Chinas insurance industry the route one must take. At this stage, the insurance company should make use of existing resources, the establishment of specialized management organization; cultivating insurance professionals ( such as marketing, underwriting, Hepei and information technology personnel); the establishment of specialized information management system; improve the development of insurance products, insurance industry development. Key words: state owned insurance company Management strategy structural reform professional management 一、序论 保监会主席吴定富强调，保险业转变发展方式已经到了刻不容缓的时候。他强调，全行业要坚持专业化经营，各保险机构要立足保险本业，努力在各个业务领域培养核心竞争力。全行业要坚持专业化经营。各保险机构要立足保险本业，努力在产