【作者】 刘畅；

【导师】 潘旭明；

【作者基本信息】 西南财经大学 ， 工商管理（MBA）（专业学位）， 2025， 硕士

【摘要】 近年来,随着我国经济不断发展,保险在金融领域中占据的地位越来越重要,在金融体系中的占比也越来越庞大,几乎涵盖了社会中的方方面面。作为保险行业中的重要组成部分——财产险,更是完全建立了其独有的庞大金融市场。在四川省当前的财产保险市场中,市场份额被平安、人保、太平洋三家头部企业瓜分了超6成,这使得其余中小型财产保险公司的经营面临巨大挑战。A财产保险有限公司四川分公司为一家小型财产保险公司省属分公司,在四川46家财产保险主体公司中排名居中,但其市场份额却不足1%。近年来,由于其内部经营不够完善,绩效管理制度较为薄弱,使得其整体经营面临非常大的挑战,市场排名逐年下滑,已掉出前二十名行列。在市场环境压力如此巨大的情况下,A财险四川分公司要想稳中求进,扩大市场份额,实现良性的可持续发展,其内部经营制度改善优化迫在眉睫。而作为企业内部经营最重要的一环——绩效管理,其优化提升就显得尤为重要。本文以A财险四川分公司为例,首先通过问卷调查与线下访谈的方式,对A财险四川分公司当前的绩效管理制度现状进行调查研究,发现存在的问题与不足。然后基于绩效管理工具——平衡计分卡,从财务、客户、内部运营、学习与成长四个维度对A财险四川分公司当前绩效管理制度制定优化提升策略。在制定优化策略的过程中,首先制定绩效计划,明确绩效管理优化的目的和优化步骤;接着通过绩效实施,基于平衡记分卡的四个维度进行绩效考核指标的确定,并通过层次分析法对四个维度和各维度下的指标构建判断矩阵,同时建立专家打分小组对每个判断矩阵进行打分,最后通过计算得出各考核指标所占权重;然后对绩效考核流程与考核周期、绩效反馈与辅导以及绩效结果运用进行逐一优化;最后通过完成上述优化后建立一套有效且完善的绩效管理体系,并应用于A财险四川分公司之中,优化完善其内部管理,借此提升A财险四川分公司的整体经营。本文的研究将由内而外的优化公司内部管理与员工的绩效考核,从而提升公司整体的内部经营水平。为公司战略目标的制定与实施奠定基础,也为公司未来战略目标的实现提供有效助力,进一步加大公司的市场占有率,促使其在财险市场能够获取更多的资源,达到抢占市场份额的目的,促进公司利润增长,让其能够长久稳定的可持续发展。同时,也为我国的中小型财产保险公司提供借鉴,帮助更多的财产保险公司通过平衡记分卡进行绩效管理的优化改善。更多还原

【Abstract】 In recent years,with the continuous development of China’s economy,the insurance industry has occupied an increasingly significant position within the financial sector.Its proportion in the financial system has expanded substantially,covering almost all aspects of society.As a critical component of the insurance sector—property insurance—has fully established its own extensive financial market.In the current property insurance market of Sichuan Province,over 60%of the market share is dominated by three leading companies-Ping An,PICC,and Pacific Insurance-leaving the remaining small and medium-sized property insurance companies facing significant operational challenges.A Property Insurance Co.,Ltd.Sichuan Branch,a provincial branch of a small property insurance company,ranks in the middle among 46 property insurance companies in Sichuan.However,its market share is less than 1%.In recent years,due to insufficient internal management and weak performance management systems,the company has faced significant operational challenges,with its market ranking declining year by year and dropping out of the top 20.Under such intense market environmental pressures,it is imperative for A Property Insurance Sichuan Branch to optimize its internal management systems to achieve steady progress,expand market share,and realize sustainable development.As the most critical element of internal management—performance management—its improvement is particularly vital.This study takes A Property Insurance Co.,Ltd.Sichuan Branch as a case example.First,through questionnaires and offline interviews,it investigates the current status of the company’s performance management system to identify existing issues and shortcomings.Subsequently,based on the Balanced Scorecard(BSC)—a performance management tool—the research formulates optimization strategies for the company’s performance management system across four dimensions:financial,customer,internal processes,and learning&growth.The optimization process begins with performance planning to clarify objectives and steps for improvement.This is followed by performance implementation,where key performance indicators(KPIs)are defined based on the four BSC dimensions.The Analytic Hierarchy Process(AHP)is then applied to construct judgment matrices for these dimensions and their sub-indicators,with an expert scoring panel established to evaluate each matrix.The weights of each KPI are calculated through these evaluations.Next,the performance evaluation process,cycle,feedback mechanisms,coaching programs,and the application of performance results are systematically optimized.Finally,a comprehensive and effective performance management system is developed and implemented within A Property Insurance Sichuan Branch,enhancing its internal management and overall operational efficiency.The research presented in this thesis will adopt an inside-out approach to optimize the company’s internal management and employee performance evaluation systems,thereby enhancing its overall operational capabilities.This initiative aims to lay a foundation for formulating and implementing corporate strategic objectives while providing effective support for achieving future goals.It will further increase the company’s market share,enabling it to secure more resources within the property insurance market.Ultimately,these improvements are designed to facilitate market share expansion,drive profit growth,and ensure the company’s long-term stable and sustainable development.Meanwhile,it also provides reference for China’s small and medium-sized property insurance companies,helping more insurers optimize performance management through the Balanced Scorecard.更多还原