“入世”十年外资保险公司的经营战略及评价

Analysis and Evaluation of Foreign Insurers' Business Strategy During China's First Decade in the WTO

本文立足于2001年中国"入世"十年以来外资保险公司的实践,从微观视角对外资寿险公司和外资产险公司在组织结构、产品、营销渠道、区域发展、人才发展五方面的经营战略进行了总结与评价。本文研究发现:外资保险公司的发展的确受到了一定的政策限制;与此同时,外资保险公司的进入对我国保险业产生了溢出效应。展望未来,外资保险公司将面临中资保险公司越来越强的竞争压力;外资保险公司的经营战略有待调整;外资保险公司之间的分化趋势将进一步加剧。

This paper, from micro perspective, analyzes and evaluates the business strategy of foreign life insurance companies and foreign property insur ance companies in the past decade, in terms of the organizational structure, prod ucts, marketing channels, regional development, talent development. It is found that foreign insurance companies have been affected by the insurance industry＇ s restriction policies, and that foreign insurance companies＇ entry into China has spillover effects on local insurance companies. Looking to the future, foreign in surance companies will be faced with more and more competition pressure from China＇ s local insurance companies. Their strategies need adjusting and the trend of differentiation will be further intensified among foreign insurance companies.