SWOT分析下商业保险参与社会保险的战略选择

Strategic Choices of China's Commercial Insurance Companies Participating in the Society Medical Insurance Based on SWOT Analysis

目的:为商业保险公司参与社会医疗保险提供战略方法。方法:通过给专家发放调查问卷和层次分析法,对商保参与社保的优势、劣势、机会、威胁进行全面分析,并计算出各因素的加权平均值,得出商保参与社保的基本态势并给出相应的战略方法。结果:商业保险公司参与社会医疗保险优势因素得分为6.996分,劣势因素得分为-6.244分,机会因素得分为7.6708分,威胁因素得分为-6.9129分,优势大于劣势,机会大于威胁。结论:商业保险公司参与社会医疗保险应选择优势——机会战略,各保险公司要充分抓住机会,利用自身优势,积极参与到社会医疗保险的经办管理服务中去。

Objective Providing the corresponding Strategic suggestions for commercial insurance companies participating in the social medical insurance. Methods By issuing questionnaires to the expert and Analytic Hierarchy Process analysis, the authors comprehensive analysis the strengths, weaknesses, opportunities and threats of commercial insurance companies participating in the social medical insurance, and calculating the weighted scoring of each factors, then providing the corresponding Strategic sug- gestions for it. Results The value of Strengths factor is 6. 996, the value of weaknesses factor is -6. 6708, the value of opportunities factor is 7. 6708, the value of threats factor is -6. 9129, the advantages outweigh the weaknesses , opportunities more than threats. Conclusion Advantages-opportunity strategies should be selected in commercial insurance companies participating in the social medical insurance, the insurance companies should holding the opportunities and fully exploiting its own advantages, actively par- ticipating in the social medical insurance management services. Author＇s address School of Humanities and Management of Guangdong Medical College, Guangdong Dongguan, P. R. Chi- na