福建保險業的競爭力分析

國際貿易論文編號:GM140     論文字數:13970,頁數:19
目   錄
1 產業競爭力綜述 ...................................................2
1.1產業競爭力的決定因素 ............................................2
1.2 波特競爭理論原理............................................... 3
2中國保險業的發展狀況以及問題 ......................................3
2.1整體的保險服務業的收入狀況 ......................................3
2.2 保險行業存在的主要問題 .........................................4
2.3 保險服務業的外資進入狀況 .......................................4
3中國保險業競爭力比較分析 ..........................................4
3.1 市場規模分析 ...................................................5
3.2 中國保險公司經營分析 ...........................................6
3.3相關產業支持狀況 ................................................7
3.4 要素供給分析 ...................................................10
4中國保險業面臨新形勢下的措施 ......................................14
4.1 中國保險業的總體戰略........................................... 14
4.2 “入世”后中國保險市場結構的調整問題 ...........................14
4.3 “入世”后中國保險業務空間的拓展和制度創新問題 .................15
4.4 重視保險資金的運用 .............................................16
4.5建立和完善保險行業的專業制度系統 ................................16
參考文獻 ...........................................................18
致  謝 .............................................................19

摘   要

      21世紀后福建的保險業進一步開放，迎來了千載難逢的機會，發展呈現質的飛躍。但是，福建保險業存在著很多的問題，與發達國家相比差距較大，從世界貿易組織談判中美協議關于保險行業條款以及中方對市場開放的承諾中，中國保險業逐步開放、不斷國際化的趨勢是不可逆轉的。在世貿組織中，服務業開放基于兩大基本原則——市場準入和國民待遇，保險行業將在此原則和框架下開放市場。本文主要對中美的保險競爭力進行了分析和研究。將保險業競爭力的評價分為兩個方面：一是現實競爭力評價，主要通過資產規模質量、盈利能力、市場份額、投資能力等指標來評價;二是潛在競爭力，主要比較一些可能對保險公司的競爭力起著關鍵作用的制度性因素，例如兩國的保險監管制度、法人治理結構等內容，從而得出了福建保險業存在的差距，并提出傳統保險產品向現代保險產品的轉變，開發新險種，發展新市場，重視保險資金的運用，增加保險資金運用方式，建立專門的保險投資部門或機構，建立和完善保險行業的專業制度系統等建議

[關鍵詞]  競爭  保險業  福建   比較優勢

 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