平安保险公司寿险业务的发展问题分析

平安保险公司寿险业务的发展问题分析摘要在这个经济繁荣的时代，随着改革开放后中国经济的飞速发展，更深入、更详细地了解各类保险业务开展的情况，对于帮助大家更好地了解和促进中国保险业的发展至关重要。虽然近年来国内保险业发展迅速，但背后也隐藏着一些问题。中国的保险公司在使用保险资金方面落后于发达国家的保险公司，国内的保险公司主要依靠保险业务来获取利润。中国平安保险公司是国内首家由外资入股的全国性保险公司。平安保险自1988年创立至今，奇迹般地由一家深圳本土保险公司迅速成长为全国第二大保险公司。保险业务也是我国入世以后中外保险企业角逐的主战场。因此，研究平安保险公司寿险业务发展问题对于我国保险业的发展以及国内保险企业建立竞争优势有一定意义。全文分为五章：第一章是绪论部分，主要介绍了选题背景、研究意义、国内外相关研究成果及其特点：第二章阐述了平安保险公司寿险业务的发展情况：第三章从外部与内部两个方面探讨了当前平安寿险业务存在的问题：第四章论述了国内外寿的发展情况以及经验启示。最后一章则为平安保险的寿险业务发展提出了相应的政策建议。本文试图以竞争战略理论为基础，利用价值链分析，SWOT等多种分析手段对中国保险市场竞争态势及平安集团下属平安保险保险公司内部资源与竞争能力进行深入剖析，最后，对平安保险在新形势下提出了发展策略建议和对策。关键词：中国保险业：平安保险公司：人寿保险：问题及发展策略AbstractIn this era of economic prosperity and with the rapid development of China'seconomy after the reform and opening up,a more in-depth and detailed understanding ofhow various types of insurance business are conducted is vital to help you betterunderstand and promote the development of China's insurance industry.Although thedomestic insurance industry has developed rapidly in recent years,there are some hiddenproblems behind the scenes.Chinese insurance companies lag behind those in developedcountries in the use of insurance funds,and domestic insurance companies rely mainly oninsurance business for their profits.Ping An Insurance Company of China is the firstnational insurance company in China to be owned by foreign investors.Since its inceptionin 1988,Ping An Insurance has miraculously grown from a local Shenzhen insurancecompany to the second largest insurance company in the country.The life insurancebusiness has also been the main battleground for Chinese and foreign insurance companiessince China's accession to the WTO.Therefore,the study of the development of Ping AnInsurance Company's life insurance business has certain significance for the developmentof China's insurance industry and the establishment of competitive advantages for domesticinsurance companies.Chapter 1 is the introduction,which introduces the background of the topic,thesignificance of the study,the relevant research results at home and abroad and theircharacteristics;Chapter 2 describes the development of Ping An Insurance Company's lifeinsurance business;Chapter 3 discusses the current problems of Ping An's life insurancebusiness from both external and internal aspects;Chapter 4 discusses the development oflife insurance at home and abroad and the experience and inspiration.Chapter 4 discussesthe development of life insurance at home and abroad and the lessons learnt.The finalchapter puts forward corresponding policy recommendations for the development of PingAn's life insurance business.Based on the theory of competitive strategy,this paper attempts to analyse thecompetitive situation in the Chinese insurance market and the internal resources andcompetitive capabilities of Ping An Life Insurance Company,a subsidiary of Ping AnⅢGroup,using various analytical tools such as value chain analysis and SWOT,and finallyproposes development strategies and countermeasures for Ping An Life i