摘要
目前我国保险市场同质化竞争态势比较明显,严重阻碍着保险业的持续健康发展。大部分中资保险公司的保险产品开发及定位、经营管理体制、竞争手段、保险服务等方面模仿现象突出,差异性不明显,甚至没有差异性。这种现象已成为我国保险公司继续健康快速发展的瓶颈。专业化经营将成为保险公司发展的必由之路,主要包括保险产品专业化、保险服务专业化、保险资产管理专业化、保险人才专业化和保险市场监管专业化等。
There is a marked phenomenon of competition homogeneity among Chinese insurance companies today, which greatly hinders continuous and healthy development of the industry. Most of domestic insurers are quite similar with each other in terms of product development and positioning, operation management mechanism, competition methods, and insurance services. There are few or no differences among them in these aspects. This situation has become a bottleneck for insurers＇ continuous and healthy development. Specialized operation is the inevitable route for insurance companies. This refers to specialization on aspects such as insurance products, insurance services, insurance asset management, insurance talents, and insurance market regulation
出处
《保险研究》
CSSCI
北大核心
2009年第7期84-89,共6页
Insurance Studies
基金
济南市软科学研究计划项目:城市灾害突发事件应急机制研究:以济南为例
山东省信息产业发展重点项目:美国金融危机影响中国经济的传导路径和机制研究:以山东信息产业为例
山东省自然科学重点专项基金项目:基于科学发展观的山东产业集群研究
山东省科技攻关项目:中国农村金融生态优化机制研究:以山东为例(项目批准号:2008GG30007029)的资助
关键词
保险公司
同质化
专业化
insurance companies
homogeneity
specialization
