I 摘要 在我国复杂的保险业大背景下，LYD人寿保险公司可以说是既拥有着机遇也 面临着挑战，如何在纷繁复杂的竞争环境中可持续发展，使LYD人寿保险公司保 持竞争活力并持续盈利是一个重要课题。本文目的旨在通过分析LYD人寿保险公 司外部政治、经济、社会环境、技术环境及LYD人寿保险公司内部发展环境，寻 找出LYD人寿保险公司的发展优势、劣势、机会和挑战，制定出可行的有利于提 升LYD人寿保险公司核心竞争力的策略。从理论和实践的角度分析LYD人寿保险 公司的竞争战略问题，认为其意义有以下几个方面：（1）对LYD人寿保险公司 的发展具有指导意义。从企业战略发展的高度，采用理论分析与实际分析相结 合，定量分析与定性分析相结合的研究方法，通过对LYD人寿保险公司所处优 势、机遇的分析，可以在发展过程中充分利用其优势，把握好发展机遇；同样， 掌握了发展过程中的劣势和威胁，在与对手竞争的过程中尽早克服或避免劣势、 威胁的发生，使LYD人寿保险公司立于不败之地。（2）对人寿保险市场的发展 具有借鉴意义。根据LYD人寿保险公司面临的内部、外部环境，设计出一套LYD 人寿保险公司竞争策略，为我国人寿保险同业竞争者提供了可借鉴的经验和理论 指导，对保险行业的发展起到了积极的作用。 本文以LYD人寿保险公司企业竞争力的现状和存在的问题作为研究对象，以 如何提升企业竞争力为研究重点，对LYD人寿保险公司发展环境现状进行了分 析，分别分析了宏观环境、行业环境和竞争对手，然后从综合金融、市场规模、 产品、人力资源、财务数据、客户服务六个方面对LYD人寿保险公司企业竞争力 现状进行分析，从中发现公司基础管理平台与管理需求不匹配，市场规模及产品 经营存在问题，人员素质及技能欠缺，忽视客户经营及主顾积累。在文章的最 后，对发现的问题提出了四点提升策略，公司需夯实基础管理平台，开拓市场及 组合销售产品，优化人才结构及提升技能，建立客户经营开发平台，以提升LYD 人寿保险公司的企业竞争力。 关键词：人寿保险；企业竞争力；现状；提升策略 论文类型：应用类 选题来源：其他 ABSTRACK II ABSTRACT InthecontextofChina'scomplexinsuranceindustry,LYDlifeinsurance companyhasbothopportunitiesandchallenges.Howtodevelopsustainablyinthe complicatedcompetitiveenvironmentandkeepLYDlifeinsurancecompany competitiveandprofitableisanimportanttopic.Thepurposeofthisarticleisaimedat analyzingLYDlifeinsurancecompanyexternalpolitics,economy,society, environment,technologyenvironmentandLYDlifeinsurancecompanyinternal developmentenvironment,findingouttheLYDthedevelopmentoflifeinsurance companystrengths,weaknesses,opportunitiesandchallenges,todevelopafeasibleto improveLYDcorecompetenceoflifeinsurancecompanystrategy.Fromthe perspectiveoftheoryandpractice,thispaperanalyzesthecompetitivestrategyofLYD lifeinsurancecompanyandholdsthatithasthefollowingsignificance:(1)ithas guidingsignificanceforthedevelopmentofLYDlifeinsurancecompany.Fromthe perspectiveofcorporatestrategicdevelopment,theresearchmethodcombining theoreticalanalysiswithpracticalanalysis,quantitativeanalysiswithqualitative analysis,andtheanalysisoftheadvantagesandopportunitiesofLYDlifeinsurance companycanmakefulluseofitsadvantagesinthedevelopmentprocessandgraspthe developmentopportunities.Inthesameway,LYDgraspedthedisadvantagesand threatsintheprocessofdevelopment,andovercameoravoidedthedisadvantagesand threatsasearlyaspossibleintheprocessofcompetitionwithitscompetitors,making LYDlifeinsurancecompanyinvincible.(2)itisofreferentialsignificancetothe developmentoflifeinsurancemarket.Accordingtotheinternalandexternal environmentfacedbyLYDlifeinsurancecompany,asetofcompetitionstrategiesfor LYDlifeinsurancecompanywasdesigned,whichprovidedreferentialexperienceand theoreticalguidanceforChina'slifeinsuranceindustrycompetitorsandplayeda positiveroleinthedevelopmentoftheinsuranceindustry. EnterprisecompetitivenessbasedonLYDlifeinsurancecompanyofthecurrent situationandproblemsastheresearchobject,focusesonhowtoimproveenterprise competitiveness,currentdevelopmentenvironmentofLYDlifeinsurancecompanyare analyzed,andrespectivelyanalyzesthemacroenvironment,industryenvironmentand competitors,thenfromcomprehensivefinance,marketsize,product,humanresources, financialdata,customerservicefromsixaspectsofLYDlifeinsurancecompany, ABSTRACK III analyzingthepresentsituationandproblemsofenterprisecompetitivenesstofind basicmanagementplatformandmanagementrequirementsdonotmatch,themarket scaleandproductmanagementexistencequestion,personnelqualityandskills, Ignoringcustomeroperationsandcustomeraccumulation.Attheendofthearticle,the authorputsforwardafour-pointimprovementstrategyfortheproblemsfound.The companyneedstoconsolidatethebasicmanagementplatform,expandthemarketand combinesalesproducts,optimizethetalentstructureandimproveskills,andestablish acustomeroperationanddevelopmentplatformtoimprovethecompetitivenessof LYDlifeinsurancecompany. KEYWORDS:Life-insurance;enterprisecompetitiveness;actuality;upgradestrategy DissertationType:Applicationclass SubjectSource:rests 目录 IV 目录 第一章绪论......................................................................................................1 第一节研究背景及意义.................................................................................................1 一、研究背景...............................................................................................................1 二、研究意义...............................................................................................................1 第二节国内外研究综述.................................................................................................2 一、国外研究现状.......................................................................................................2 二、国内研究现状.......................................................................................................3 三、研究评述...............................................................................................................4 第三节研究内容及方法.................................................................................................4 一、研究内容...............................................................................................................5 二、研究方法...............................................................................................................5 第二章相关理论概述......................................................................................7 第一节企业竞争力概念及内涵.....................................................................................7 一、企业竞争力的定义...............................................................................................7 二、企业竞争力的内涵...............................................................................................7 第二节寿险企业竞争力影响因素.................................................................................7 第三节寿险公司市场竞争能力评价指标.....................................................................9 第三章LYD人寿保险公司发展环境现状分析............................................13 第一节保险公司宏观环境分析...................................................................................13 一、政治法律环境.....................................................................................................13 二、经济环境.............................................................................................................13 三、社会文化环境.....................................................................................................14 四、技术环境.............................................................................................................14 五、宏观环境PEST分析结论...............................................................................15 第二节保险行业环境分析...........................................................................................15 第三节LYD人寿竞争对手分析..................................................................................17 一、中国人寿.............................................................................................................17 二、太平洋寿险.........................................................................................................18 三、泰康人寿.....................................................................