中国保险业进入壁垒的降低及应对策略.doc
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中国保险业进入壁垒的降低及应对策略,页数 22字数 12760摘 要自1980年恢复国内保险业务以来，保险业保持了持续快速发展的良好势头。本论文分析我国保险业进入壁垒和竞争力问题，并结合入世后保险业的发展。首先对进入壁垒的理论进行分析，其中包括对进入的定义以及结构主义学派、行为学派、可竞争市场理论、新产业组织理论对进入壁...
内容介绍
此文档由会员 王亮亮 发布
中国保险业进入壁垒的降低及应对策略
页数 22 字数 12760
摘 要
自1980年恢复国内保险业务以来，保险业保持了持续快速发展的良好势头。本论文分析我国保险业进入壁垒和竞争力问题，并结合入世后保险业的发展。首先对进入壁垒的理论进行分析，其中包括对进入的定义以及结构主义学派、行为学派、可竞争市场理论、新产业组织理论对进入壁垒的研究情况；其次从保险业的规模经济、保险业的经营特点、保险业必要资本量、保险业的政策法律制度等四个方面对我国保险业现存的进入壁垒的形成原因和特点进行分析得出我国保险业存在较高的进入壁垒；再次对我国保险业进入壁垒降低的必然性及其影响的各个原因和方面进行辩证的分析；最后，总结出降低进入壁垒后我国保险业的应对的六大策略：充分利用服务贸易总协定的有关条款、加强监管体系建设、进行保险创新、完善我国再保险市场、放宽保险资金的运用限制、培养保险专业人才，提高从业人员素质，并逐一分析这六大策略。
关键词：进入壁垒,保险业,降低进入壁垒
ABSTRACT
Has restored the domestic insurance business since 1980, the insurance business preserved the good momentum which continues to develop fast. The present paper analyzes our country insurance business to enter the barrier and the competitive power question, after and unifies being WTO entry the insurance business development. First to enters the barrier the theory to carry on the analysis, including to the definition as well as the structuralism school of thought, the behavior school of thought which enters, may the competitive market theory, the new industrial organization theory to enter the barrier the research situation; Next from the insurance business economies of scale, the insurance business management characteristic, the insurance business essential capital quantity, the insurance business policy legal regime and so on four aspects extant enters the barrier to our country insurance business the formation reason and the characteristic carries on the analysis to obtain our country insurance business existence high to enter the barrier; Once more enters inevitable and influence each reason and the aspect to our country insurance business which the barrier reduces carries on the dialectical analysis; Finally, after summarizes reduces enters the barrier our country insurance business to be supposed to six big strategies: Fully using the service trade total agreement related provision, the enhancement supervising and managing system construction, carries on the insurance innovation, consummates our country reinsurance market, the relaxation insurance fund utilization limit, the raise insurance professional, improves the jobholders quality, and analyzes these six big strategies one by one.
KEY WORDS:: Enters barrier; Insurance; Reduces enter barrier;
目 录
前言……………………………………………………………………1
1进入壁垒的理论分析…………………………………………2
1.1进入的定义……………………………………………………2
1.2各种理论对进入壁垒的研究……………………………………2
1.2.1结构主义学派对进入壁垒的界定……………………………………………2
1.2.2行为学派对进入壁垒的界定…………………………………………………2
1.2.3可竞争市场理论对进入壁垒的界定…………………………………………2
1.2.5新产业组织理论对进入壁垒的界定…………………………………………2
2 我国保险业现存的进入壁垒………………………………………4
2.1保险业的规模经济………………………………………………4
2.1.1成本低…………………………………………………………………………4
2.1.2大数定律………………………………………………………………………4
2.2保险业的经营特点………………………………………………5
2.3保险业必要资本量………………………………………………6
2.4保险业的政策法律制度…………………………………………6
3我国保险业进入壁垒降低的必然性及其影响……………………7
3.1降低进入壁垒的必要性…………………………………………7
3.1.1降低进入壁垒是必然选择……………………………………………………7
3.1.2降低进入壁垒已具备可行性…………………………………………………7
3.1.3降低进入壁垒可以优化国民经济的结构……………………………………7
3.1.4降低进入壁垒可以促进保险市场改革……………………………………7
3.1.5降低进入壁垒有利于保险业的发展…………………………………………7
3.1.6 降低进入壁垒可以规范市场环境……………………………………………7
3.1.7降低进入壁垒有利于普及保险知识………………………………………7
3.2 降低进入壁垒对我国保险业的影响……………………………8
3.2.1原有的地域优势将逐渐消失…………………………………………………8
3.2.2保险市场的竞争将更加激烈…………………………………………………8
3.2.3民族保险业将受到一定的冲击………………………………………………8
3.2.4保险监管面临改革……………………………………………………………9
3.2.5资金外流面临潜在可能危险…………………………………………………9
3.2.6 造成保险人才的流失…………………………………………………………9
4降低进入壁垒后我国保险业的应对策略…………………………10
4.1充分利用服务贸易总协定的有关条款，保护民族保险业………10
4.1.1设立资格………………………………………………………………………10
4.1.2对象选择………………………………………………………………………10
4.1.3开放市场结构…………………………………………………………………10
4.1.4组织形式………………………………………………………………………10
4.1.5经营区域………………………………………………………………………10
4.1.6业务范围………………………………………………………………………10
4.1.7税收政策………………………………………………………………………10
4.2加强监管体系建设，尽快向国际惯例靠…………………………11
4.2.1保险监管机关履行好这种职责需要有完善的法律规章……………………11
4.2.2保险监管机关履行好这种职责需要遵循国际惯例…………………………11
4.2.3保险监管机关履行好这种职责需要行业内部配合监管……………………11
4.3进行保险创新，提高竞争能力………………………………11
4.3.1险种创新为核心………………………………………………………………11
4.3.2以技术创新为基础……………………………………………………………12
4.3.3积极推进保险服务和保险组织创新…………………………………………12
4.4.3进行营销方式创新……………………………………………………………12
4.4建立和完善我国再保险市场，促进保险业健康发展。…………12
4.5参照国际惯例，放宽保险资金的运用限制。……………………12
4.6培养保险专业人才，提高从业人员素质。………………………12
参考文献：
[1] Mark S. Dorfwan ,Risk management and insurance,Sixth edition,Prentice Hall.67
[2] [英]S.P.戴康.保险经济学.新时代出版社,1990.56~78
[3] 保险法
[4] 中国保险年鉴.2001.2~5
[5] 高鸿业.西方经济学.中国人民大学出版社.1996
页数 22 字数 12760
摘 要
自1980年恢复国内保险业务以来，保险业保持了持续快速发展的良好势头。本论文分析我国保险业进入壁垒和竞争力问题，并结合入世后保险业的发展。首先对进入壁垒的理论进行分析，其中包括对进入的定义以及结构主义学派、行为学派、可竞争市场理论、新产业组织理论对进入壁垒的研究情况；其次从保险业的规模经济、保险业的经营特点、保险业必要资本量、保险业的政策法律制度等四个方面对我国保险业现存的进入壁垒的形成原因和特点进行分析得出我国保险业存在较高的进入壁垒；再次对我国保险业进入壁垒降低的必然性及其影响的各个原因和方面进行辩证的分析；最后，总结出降低进入壁垒后我国保险业的应对的六大策略：充分利用服务贸易总协定的有关条款、加强监管体系建设、进行保险创新、完善我国再保险市场、放宽保险资金的运用限制、培养保险专业人才，提高从业人员素质，并逐一分析这六大策略。
关键词：进入壁垒,保险业,降低进入壁垒
ABSTRACT
Has restored the domestic insurance business since 1980, the insurance business preserved the good momentum which continues to develop fast. The present paper analyzes our country insurance business to enter the barrier and the competitive power question, after and unifies being WTO entry the insurance business development. First to enters the barrier the theory to carry on the analysis, including to the definition as well as the structuralism school of thought, the behavior school of thought which enters, may the competitive market theory, the new industrial organization theory to enter the barrier the research situation; Next from the insurance business economies of scale, the insurance business management characteristic, the insurance business essential capital quantity, the insurance business policy legal regime and so on four aspects extant enters the barrier to our country insurance business the formation reason and the characteristic carries on the analysis to obtain our country insurance business existence high to enter the barrier; Once more enters inevitable and influence each reason and the aspect to our country insurance business which the barrier reduces carries on the dialectical analysis; Finally, after summarizes reduces enters the barrier our country insurance business to be supposed to six big strategies: Fully using the service trade total agreement related provision, the enhancement supervising and managing system construction, carries on the insurance innovation, consummates our country reinsurance market, the relaxation insurance fund utilization limit, the raise insurance professional, improves the jobholders quality, and analyzes these six big strategies one by one.
KEY WORDS:: Enters barrier; Insurance; Reduces enter barrier;
目 录
前言……………………………………………………………………1
1进入壁垒的理论分析…………………………………………2
1.1进入的定义……………………………………………………2
1.2各种理论对进入壁垒的研究……………………………………2
1.2.1结构主义学派对进入壁垒的界定……………………………………………2
1.2.2行为学派对进入壁垒的界定…………………………………………………2
1.2.3可竞争市场理论对进入壁垒的界定…………………………………………2
1.2.5新产业组织理论对进入壁垒的界定…………………………………………2
2 我国保险业现存的进入壁垒………………………………………4
2.1保险业的规模经济………………………………………………4
2.1.1成本低…………………………………………………………………………4
2.1.2大数定律………………………………………………………………………4
2.2保险业的经营特点………………………………………………5
2.3保险业必要资本量………………………………………………6
2.4保险业的政策法律制度…………………………………………6
3我国保险业进入壁垒降低的必然性及其影响……………………7
3.1降低进入壁垒的必要性…………………………………………7
3.1.1降低进入壁垒是必然选择……………………………………………………7
3.1.2降低进入壁垒已具备可行性…………………………………………………7
3.1.3降低进入壁垒可以优化国民经济的结构……………………………………7
3.1.4降低进入壁垒可以促进保险市场改革……………………………………7
3.1.5降低进入壁垒有利于保险业的发展…………………………………………7
3.1.6 降低进入壁垒可以规范市场环境……………………………………………7
3.1.7降低进入壁垒有利于普及保险知识………………………………………7
3.2 降低进入壁垒对我国保险业的影响……………………………8
3.2.1原有的地域优势将逐渐消失…………………………………………………8
3.2.2保险市场的竞争将更加激烈…………………………………………………8
3.2.3民族保险业将受到一定的冲击………………………………………………8
3.2.4保险监管面临改革……………………………………………………………9
3.2.5资金外流面临潜在可能危险…………………………………………………9
3.2.6 造成保险人才的流失…………………………………………………………9
4降低进入壁垒后我国保险业的应对策略…………………………10
4.1充分利用服务贸易总协定的有关条款，保护民族保险业………10
4.1.1设立资格………………………………………………………………………10
4.1.2对象选择………………………………………………………………………10
4.1.3开放市场结构…………………………………………………………………10
4.1.4组织形式………………………………………………………………………10
4.1.5经营区域………………………………………………………………………10
4.1.6业务范围………………………………………………………………………10
4.1.7税收政策………………………………………………………………………10
4.2加强监管体系建设，尽快向国际惯例靠…………………………11
4.2.1保险监管机关履行好这种职责需要有完善的法律规章……………………11
4.2.2保险监管机关履行好这种职责需要遵循国际惯例…………………………11
4.2.3保险监管机关履行好这种职责需要行业内部配合监管……………………11
4.3进行保险创新，提高竞争能力………………………………11
4.3.1险种创新为核心………………………………………………………………11
4.3.2以技术创新为基础……………………………………………………………12
4.3.3积极推进保险服务和保险组织创新…………………………………………12
4.4.3进行营销方式创新……………………………………………………………12
4.4建立和完善我国再保险市场，促进保险业健康发展。…………12
4.5参照国际惯例，放宽保险资金的运用限制。……………………12
4.6培养保险专业人才，提高从业人员素质。………………………12
参考文献：
[1] Mark S. Dorfwan ,Risk management and insurance,Sixth edition,Prentice Hall.67
[2] [英]S.P.戴康.保险经济学.新时代出版社,1990.56~78
[3] 保险法
[4] 中国保险年鉴.2001.2~5
[5] 高鸿业.西方经济学.中国人民大学出版社.1996
