动态能力构建与保险公司竞争优势——基于中国保险市场的多案例研究

Development of Dynamic Capabilities and Competitive Advantage of Insurance Company——A Multiple-Case Study Based on Chinese Insurance Market

当前,中国保险市场发展十分迅猛,同时也面临多变和不确定的内外部环境,为研究动态能力提供了理想情境。根据国内外最近研究进展,识别保险公司动态能力的构建维度,探索动态能力和保险公司竞争优势之间的关系。通过对三个案例的研究,发现保险公司的动态能力是个多维度聚合构念,包括感知机会和威胁的能力、对新知识的吸收能力、重构资源基础的能力、产品和服务的创新能力。研究的主要贡献是对保险公司动态能力构念的定义和操作化,以及企业动态能力和保险公司竞争优势之间的关系,对我国保险业的持续健康发展有一定的实践参考价值。

Currently,Chinese insurance market is developing rapidly,but it also faces with fast changes and uncertain- ties both internally and externally. This offers an ideal context to study the topic of dynamic capabilities. Based on the lat- est progress in conceptualizing dynamic capabilities within and without China, this article tried to identify the main di- mensions of insurance company＇s dynamic capabilities,and to find the relationship between dynamic capabilities and competitive advantage of insurance company. This multiple-case study revealed that, as a multifaceted concept,insurance company＇s dynamic capabilities consisted of the capability of sensing opportunities and threats ,the capability of absorbing new knowledge,the capability of reconstructing resource base ,and the capability of innovating in products and services. The main contributions of this article were defining and operationalizing dynamic capabilities of insurance company,find- ing the relationship between dynamic capabilities and competitive advantage of insurance company,and furthermore ,this study also had practical reference value for sustainable and healthy development of Chinese insurance industry.