摘要
"盈利问题"已经成为后金融危机时代我国保险公司需要解决的首要问题。本文通过分析总结我国30年来保险公司盈利模式的不断发展演化,指出了在"规模模式"的作用递减和"范围模式"存在偏离风险的情况下,我国保险公司需要从"自发"到"自觉",寻找保险公司本源的盈利模式,并通过保险产品和保险公司业务结构的重新定位提出了组合盈利模式的未来选择。
The issue of ＂profitability＂ has become the most imminent problem to be solved by Chinese insurance companies in the post-financial crisis era. The article analyzed and summarized on the development of the profit- making models of Chinese insurance companies in the last 3 decades. It pointed out that under the situation of de- creasing effects of ＂the size model＂ and the existence of potential deviation risks with ＂the scale model＂, the insur- ance companies should move from being ＂spontaneous＂ to ＂self-conscious＂, searching for a profitability model in- herent in the industry. The article suggested on the future trend of profitability package model based on reposition- ing of insurance products and business structure.
出处
《保险研究》
北大核心
2010年第2期53-57,共5页
Insurance Studies
基金
教育部人文社会科学项目成果资助
项目批准号:07JA790055
关键词
规模模式
范围模式
组合盈利模式
the size model
the scale model
the profitability package model
