中国财险企业可持续发展能力的影响因素——基于核心能力角度

Sustainable Development Ability Factors of China Property Insurance Enterprise——Based on Core Competence

据保险统计年鉴数据显示,我国财险企业(2003-2007年)的数量、保费收入、保费增长率基本呈上升趋势。但在2008年,出现了一批财险公司保费收入负增长现象,其原因与全球金融危机的大背景分不开。在这样的背景下,我国财险企业要想实现可持续发展,首先需要抓住影响可持续发展能力的因素。因此,本文基于能力理论分析了可持续发展能力的内涵,从能力资源、能力水平及能力环境三个方面探讨对财险企业可持续发展能力的影响,由此,确定了能力资源、能力水平及能力环境三个主要影响因素及其子因素;考虑了三个主要因素之间的关系,并勾画出以能力环境为基础,以能力资源和能力水平为支柱的概念模型。本文认为通过学习,财险企业的能力资源及能力水平将相互渗透,形成了财险企业的核心能力,进而与外部能力环境进行有效结合,推动该企业的可持续发展。

According to data of insurance statistics yearbook, the number, premium income and premium growth of China property insurance enterprise is on the increase from 2003 to 2007. But in 2008, there are some property insurance enterprise with negative growth in premium income. The reason of the phenomenon goes hand-in-hand with the background of the global financial crisis. In this context, China property insurance enterprise wants to realize sustainable development, firstly, it is necessary to catch the influence factors of sustainable development. So, based on the ability theory, the paper analysis the connotation of sustainable development ability. From ability resources, ability level and ability environment three aspects, it discusses the influence to sustainable development ability of property insurance enterprise in these apects. Therefore, it determines three main factors （ability resources, ability level and ability environment） and sub-factors. Considering the relation between three main factors, it draws the structure model. In the model, ability environment is as basis, ability resources and ability level are as pillars. The paper feels by learning, ability resources of the property insurance enterprise is interacted with ability level, which forms core competence, and then the core competence is effectively combined with ability environment, which drives the sustainable development of the enterprise.