我国中小产险公司发展模式研究

A research on the development model for small and medium-sized P&C insurers

近些年来,我国中小产险公司虽然发展很快,但是仍然面临着诸多困难。本文从市场份额、盈利能力、偿付能力和经营稳健性几个方面分析了我国中小产险公司的发展状况,并探讨了掣肘其发展的因素。笔者认为,中小产险公司要真正壮大,在发展模式上可以根据自身的情况采取专业化、建立战略联盟、引进战略投资者和并购等战略。

In recent years, the small and medium-sized property insurance companies have developed rapidly, but they still face with many difficulties. This paper analyzed the development situations of the small and medium-sized property insurance companies from the perspectives of market share, profitability, solvency level and operating stability, and explored on the factors restricting their development. The author held that in order to attain long-stride development the small and medium-sized property insurance companies should adopt the following development patterns： specialization, introduction of strategic investors, strategic alliances, mergers ＆ acquisitions, and so on, in accordance with its own situations.