基于BCG矩阵的甘肃保险业发展策略研究

The Development Strategy of Gansu Insurance Industry Based on the BCG Matrix

甘肃保险业具有保险深度高、寿险规模大、保费增长快、发展潜力足等优点,在发展过程中存在险种创新过于集中、健康险赔付率过高、代理人与代理险种匹配程度差、保险产品供求关系不平衡等不足。因此进行BCG矩阵分析,加大财险产品的创新、优化健康险险种设计及费率厘定、增加财险和健康险的人才储备、降低意外伤害险的市场开拓等措施可以有效促进甘肃省保险业未来的发展。

The insurance industry in Gansu has the characteristics of deep insurance, large scale of life insurance, fast growth of premium and sufficient potential for development. In the process of development, there are some shortcomings, such as too centralized insurance innovation, too high health insurance compensation rate, poor matching between agents and agents, and unbalanced supply-demand relationship of insurance products. The measures of BCG matrix analysis, innovation of property insurance products, optimization of health insurance design and rate determination, increase of talent reserve of property insurance and health insurance, and market development of accident injury insurance can effectively promote the future development of insurance industry in Gansu Province.