【作者】 王勇；

【导师】 韩利红； 杜占栓；

【作者基本信息】 河北科技大学 ， 工商管理（专业学位）， 2017， 硕士

【摘要】 保险是金融行业中比较重要的行业之一,它在保障国家经济正常稳定发展、完善社会各种保障制度上起着不可替代的作用。我国的人寿保险行业相较于西方发达国家起步较晚,受国内经济发展模式的影响,我国保险行业尚处于初级阶段。保险公司作为保险业的主体也还不够成熟,大多保险公司战略不够清晰,还停留在抢业务、求生存的水平。信诚人寿保险有限公司由中国中信集团和英国保诚集团合资创建,在国内设立15家分公司,其中山东分公司于2006年在济南成立。信诚人寿山东分公司自成立以来取得了一些成绩,呈现出向好的发展态势,但也存在着诸多问题:业务规模偏小,经营费用不足以支撑业务发展;业务渠道固守成规,没有实现质的突破;机构差异大,管理难度大;员工职涯规划不够清晰,绩效导向不明显等。基于存在的问题,运用PEST框架、“五力”分析模型、SWOT战略选择工具制定出公司层战略,即信诚人寿山东分公司宜采取发展型战略,并要采取后向一体化战略进入保险信托领域;通过波士顿矩阵分析,得出公司要伺机发展平台型产品,并要尽可能多地从传统险、投资连接险和分红险中获取利润,用以支撑公司未来发展;竞争战略宜采取差异化战略,通过产品差异化、渠道差异化和管理差异化实现。最后从调整组织结构、分类支持不同的机构、启动互联网+业务、优化人力资源管理几方面提出战略实施的保障措施。更多还原

【Abstract】 Insurance is one of the most important industries in the financial industries.It plays an irreplaceable role in ensuring the normal and stable development of the national economy and improving the social security system.Compared with the developed countries,the life insurance industry in our country starts late.China’s insurance industry is still in its initial stage due to economic development model of China.As the main body of the insurance industry,most insurance companies strategy is not clear.Their strategy is mainly competition for business and struggle for survival.CITIC-Prudential Life Insurance Company is a Joint venture set by CITIC Limited and Prudential.There are 15 branches in China,Shandong branch was established in Ji’nan in 2006.Prudential Life Insurance Shandong branch since its inception has made some achievements,showing a good development trend,but there are many problems:Business scale is small,operating expenses are not enough to support business development;No breakthrough in business channels;management is difficult due to the differences between organizations;Employee career planning is not clear enough,performance-oriented is not definite.Based on the existing problems,using the PEST framework,"five forces" analysis model,SWOT strategic choice tool to formulate the company strategy.That is Prudential Life Shandong branch should adopt a development strategy,and to take the integration strategy to enter the field of insurance trust.By the analysis of the Boston matrix,it shows that company should develop platform based products,get as much profit as possible from traditional insurance,investment linked insurance and participating insurance to support the company’s future development.Competitive strategy should adopt the differentiation strategy by using product differentiation,channel differentiation and management differentiation.Finally,the paper puts forward the safeguard measures for the implementation of the strategy in the adjustment of the organizational structure,classification support different institutions,starting Internet plus business and optimizing human resources management.更多还原