金融危 机下我国保险业的可持续发展战略探析.docVIP

金融危机下我国保险业的可持续发展战略探析 摘要 在国际金融危机的冲击下，中国保险业也深受影响，保险机构的利润出现了大幅度的下降，利润下跌的背后暴露出我国保险业发展存在的问题。本文先通过对美国国际集团（AIG）财务出现巨亏的原因分析，从中国的保险产品和保险机构的投资方式两个角度来分析金融危机下我国保险行业暴露出来的问题，然后探析出保险机构在保险产品和资产投资方式上的可持续发展战略：在保险产品上，一要发展新型产品，保险业重归保障功能；二要销售渠道向多元化发展；三要服务差异化，经营专业化。在资产投资方式上，一是投资渠道要强调保险投资策略的稳健性和安全性，二是拓宽保险投资渠道，降低投资风险。最后以中国人寿保险公司为实例研究分析，通过中国人寿保险公司对可持续发展战略的实施带来的效果，来验证探析出的可持续发展战略对现实的指导意义。 关键词: 金融危机；保险业；可持续发展；战略 The Strategy of Sustainable Development in Chinese Insurance Industry under Financial Crisis Lei jie （Major in Business Administration 2006） Abstract Chinese insurance industry was struck by the international financial crisis. Insurance problems in China have been revealed behind the decline in insurance profits. This paper will analyze the reason why American International Group (AIG) had the serious loss problem and analyze the problem in terms of two aspects: Chinese insurance products and insurance sector investment, and then explore the Strategy of Sustainable Development: In insurance products, firstly, develop new products in order to returns to the safeguard function; Secondly, marketing channels should be diversified. Thirdly, service differentiation and management specialization. In the assent investment, first, the investment channels should emphasize the stability and safety of the insurance investment strategy; Second, broaden the investment channels for insurance to reduce risk. At last, analyze a case study of China Life Insurance Company, based on the Sustainable Development Strategy implementation in China Life Insurance Company, verify and Draw a conclusion that Sustainable Development Strategy brings directive significance in reality. Keywords: financial crisis; insurance industry; sustainable development; strategy 目录 摘要 I Abstract II 第一章 引言 1 1.1研究的背景 1 1.2研究的目的和意义 1 1.3论文总体思路框架 2 第二章 AIG巨亏的原因及启示 2 第三章 中国保险业的现状 3 3.1保险行业的发展 3 3.2中国保险业的保险产品和资产投资特点 4 3.2.1保险产品特色 4 3.2.2保险机构资产投资特点 4 3.3问题的出现及其原因分析 6 3.3.1关于保险产品 6 3.3.2关于资产投资方式 6 第四章 保险业可持续发展战略的探析 7 4.1保险公司的发展战略 7