中国加入WTO后,保险业率先向外资保险投资者开放了市场,中资和外资保
险主体不断增加,竞争形势日趋白热化状态。2014年我省财产保险业发展较快,
但恶性竞争、粗放经营的发展模式已导致财产保险行业的盈利能力不断下降,己
对我省财产险行业健康有序的发展造成严重威胁。2014年国务院颁布了“关于加快
发展现代保险服务业的若干意见”,标志着保险业的春天来临,这将开启保险业发
展新纪元。笔者所服务的中国大地财产保险云南分公司连续十年保持了高速增长
和较好的盈利能力,在云南省财产保险市场创造了一大奇迹,但花无百日红,其
在激烈的市场竞争也面临着许多的困难,如何跨越发展障碍,抓牢“保险国十条”
带来的发展契机。笔者理论联系实际,结合云南省财产保险行业的现状,详细分
析了中国大地财产保险云南分公司外部竞争环境、内部资源和能力以及目前的发
展现状,找出高增长光环下隐藏的许多问题,针对这些问题并就中国大地财产保
险云南分公司的发展进行深入的SWTO分析,通过自身优势(雄厚的注册资本金、
良好的品牌知名度、突出的人才优势、健全的机构服务网络、完善的内控管理体
系、优质的理赔服务、较强的市场竞争力等优势)和劣势(产品结构单一、产品同
质化严重、创新力不足、综合成本过高、渠道产能低、机构发展不均衡、人才储
备不足等)、外部环境机会和威胁的分析,选择了适合中国大地财产保险云南分公
司的发展战略。
关键词:财产保险,资源能力,优势劣势,发展战略
I
CHINA LAND PROPERTY INSURANCE COMPANY
YUNNAN BRANCHDEVELOPMENT STRATEGY
RESEARCH
ABSTRACT
With the join of WTO for China, the insurance industry has become the leading
and opening market in financial industry, the insurance companies are increasing
constantly, and the whole industry competition is also becoming increasingly fierce. In
2014,Property insurance achieved a rapid growth, But after vicious competition, the
development model of extensive management has resulted decline of property insurance
profitability constantly. In 2014 the State Council promulgated “the opinions on
accelerating the development of modern insurance services. This marks the arrival of
spring for the insurance industry. It is also an important milepost on the history for the
development of insurance industry, which will create a new era of development. The
Yunnan Branch of China DADI Property Insurance Company for the author to serve has
created a big miracle in Yunnan province property insurance industry and inside the
China DADI Insurance system. It keeps a high growth and good profitability for ten
years, taking a unique development character in the property insurance market. But as
the old saying the flower never blooms over a hundred days,The Yunnan Branch of
China DADI Property Insurance Company also exists some common problems in this
industry. How to break through the bottleneck of the development, how to grasp the
developing opportunities from the national insurance ten items,each insurance
administrator must think it over carefully. The author practices with the theory,
combines the current situation of the property insurance industry in Yunnan Province,
and analyses the external environment, internal resources and capabilities and the
current development status for Yunnan Branch of China DADI Property Insurance
Company in order to find out the hidden problems under tiie high growth aura. For
example: the product structure is single, the dominance of the car insurance auto
insurance, the non auto insurance marginalization; the serious product homogeneity, the
lack of innovation; tiae comprehensive cost rise,the decline in profitability; the single
construction of marketing channel,the lack of professional management; the imbalance
for all the prefecture branches, and the market share should be improved; the absence of
talent team construction, the specialization still need to be improved. Yunnan Branch of
==>>