【作者】 李庭辉；

【导师】 许鹏；

【作者基本信息】 湖南大学 ， 统计学， 2007， 硕士

【摘要】 本论文以世界各国(地区)保险业竞争力为研究对象,研究保险业竞争力的理论、评价与分析。文章通过大量的统计数据对保险业竞争力进行评价与分析,试图探索保险业竞争力的特点和决定因素,发现中国保险业竞争力的优势与不足,并探究其产生原因,为提高中国保险业竞争力提供理论依据。其主要研究内容是:首先,从产业竞争力的概念出发,在研究保险业竞争力基本理论的基础上,对保险业竞争力的来源进行系统分析;同时,从保险业竞争力结构的角度,详细分析保险业竞争力的形成机制,并以此为基础,构建保险业竞争力的基本理论分析框架。然后,通过对现有产业竞争力研究方法的评述,选择适合保险业竞争力评价与分析方法,即面板数据模型,对保险业竞争力进行实证分析。得出如下结论:第一,各国(地区)保险业竞争力综合水平具有不均衡性,保险业综合竞争力格局由强至弱依次为发达国家(地区)、新兴工业化国家(地区)、发展中国家(地区)。且保险业竞争力水平不同的国家(地区)具有不同的特点;第二,保险业竞争力水平不同的国家(地区),保险业竞争力的决定因素不同,且各影响因素对竞争力的作用程度各不相同;第三,中国保险业竞争力水平总体上还处于一种劣势。其主要原因是:中国保险业总体发展水平较低;管理水平低;保险人才资源短缺;创新能力不足;监管体制不成熟,保险法规体系不完善;公众的风险意识与保险意识相对淡薄,对保险的认识存在很大不足。最后,根据中国保险业竞争力的现状及竞争力低下的原因,结合中国实践,提出要提升中国保险业竞争力,必需宏观和微观双方出动,从管理水平、人力资源、保险创新、经济金融发展水平和社会发展环境、社会政治制度和政策及法律环境等方面着手,采取综合措施,才能有效提高中国保险业竞争力。更多还原

【Abstract】 This thesis regards international competitiveness of insurance industry as the research object which studies the theories, the evaluation and analysis. The author wants to explore the characteristics of insurance industry competitiveness and its determinative by analyzing and evaluating the insurance industry competitiveness, and to detect the advantage and shortage of the Chinese insurance industry competitiveness, and investigate its reason. It is the theoretical base for promoting the Chinese insurance industry competitiveness. The main contents are as follow:Firstly, the author studies the related insurance industry competitiveness theories according to the concept of the industry competitiveness, and precedes the system analysis to the source of the insurance industry competitiveness. It detailed analyze the formation mechanism of the insurance industry competitiveness from the structural in competitiveness of insurance industry, while we sets up the basic theories analysis frame of the insurance industry competitiveness on the base of formation mechanism.Secondly, we use the panel data model that is appropriate to insurance industry competitiveness to proceed the substantial evidence analysis to the insurance industry competitiveness, and draw some conclusions as follow: the first, the level of the insurance industry competitiveness synthesizes in each country is unbalanced, and the order about the level from high to low is gradually for prosper the nation, new industry turn the nation, developing country. And different level of competitiveness has the different characteristics; the second, nations (regions) with different level in competitiveness of insurance industry have different determinatives, and their influence on competitiveness is not alike; the third, the insurance industry competitiveness of the Chinese is disadvantage.Finally, and taking into account the practice according to Chinese present condition and the reason, we think if Chinese put forward to promoting their insurance industry competitiveness, they must start out both macro view and tiny view , and from the manage, human resource, insurance creative, the economic finance development and develops the environment, social political system ,society policy and law environment etc, and take the synthesize measures to promote Chinese insurance industry competitiveness.更多还原