中小型产险公司的现存困境及发展前景——以中国大地保险公司为例

Existing Difficulties and Development Prospects of Small and Medium Sized Property Insurance Company——Take Insurance Company of Dadi for Example

采用文献研究中现存统计资料分析的方法,以中小型产险公司的典型代表中国大地保险公司为例,对其发展状况的相关指标包括资产状况、市场份额、业务结构、经营状况等进行量化计算并深入描述分析,发现中国中小型产险公司的发展存在如下问题:资产利用效率低,经营业绩不尽人意;市场份额普遍不高,险种创新缓慢,业务结构失衡;盈利能力较弱,偿付能力有限等。针对此,提出了完善我国中小型产险公司发展的对策建议。

This paper uses the method of analyzing statistical data of extant literature, depend insurance company of Dadi in China as example -- the typical of small and medium insurance companies, calculates and quantifies its development-related indicators, including asset position, market share, business structure, operating conditions, etc. , describes and analyzes these indicators in depth. It＇s found there are some problems in the development of amall and medium sized insurance companies： first, asset utilization efficiency of insurance companies of small and medium size are low and operating results are unsatisfactory; second, market share is generally not high, innovation of insurance is slow and business structure is imbalanced; third, profitability is weak and solvency is limited, etc. Finally, it puts forward suggestions to improve the development of China＇s small and medium sized insurance companies.