新华保险

摘要随着我国GDP保持持续增长，社会保险制度的改革，我国保险行业历经三十年的发展，已经形成巨大规模，与社会保障形成一个完整的社会保障体系，已经成为国民经济主要的组成部分，势必发挥越来越重要的作用。我国保险市场在从不成熟到成熟的发展过程中，整个行业大体上要经历从单纯追求保费收入规模、到追求实际利润、再到实现个性化服务的三个阶段。步入21世纪，面对复杂的国内外经济形势，中国保险行业发展驱动因素的效应逐渐减弱，进入了周期性调整阶段，各项矛盾和问题逐渐显现，可以说，中国寿险业已经到了不得不进行改革的阶段。内蒙古自治区作为中国地域最辽阔、矿产资源丰富的西部少数民族自治区，经济增速保持国内领先水平，却由于自身诸多不利因素的限制，导致保险行业发展方面一直处于较低水平。内蒙古寿险行业发展历程代表了我国大部分欠发达地区的发展特点，可以说，研究内蒙古寿险行业在转型期的发展，对我国保险行业发展具有典型示范作用。本文以国内第三大寿险企业——新华人寿保险股份有限公司（以下简称“新华保险”）2004年在内蒙古自治区设立的二级直管分公司为例进行分析和阐述。通过剖析新华保险内蒙古分公司发展现状，结合相关理论研究，利用SWOT分析方法，提出在当前经济发展形式和企业现状下的寿险发展的思路和举措，解决企业在经营管理实践中遇到的各种问题，本文对新华保险内蒙古分公司的发展环境及发展条件进行分析，提出“以客户为中心”为核心的总体发展战略，及战略实施的路径。意在通过实现内蒙新华发展战略转型，为中西部城市型机构的未来寿险发展提供借鉴。关键词：新华保险、内蒙古分公司、发展战略、客户导向、价值成长AbstractWiththereformofChina'sGDPtomaintainsustainedgrowth,thesocialinsurancesystem,China'sinsuranceindustryafterthreeyearsofdevelopment,hasbecomeahugescale,andSocialSecuritytoformacompletesocialsecuritysystem,hasbecomeamajorpartofthenationaleconomy,isboundplayanincreasinglyimportantrole.China'sinsurancemarket,fromimmaturitytomaturityinthedevelopmentprocess,theindustryisgenerallygothroughthreestagesfromthesimplepursuitofpremiumincomescale,tothepursuitofactualprofits,toachievepersonalizedservice.Enteringthe21stcentury,thefaceofcomplexdomesticandinternationaleconomicsituation,theeffectsofChina'sinsuranceindustrydriversgraduallyweakenedintoacyclicaladjustmentphase,thecontradictionsandproblemsgradually,itcanbesaidthatChina'slifeinsuranceindustryhastohavecarryoutstageofreform.AsChina'sInnerMongoliaregion'smostvast,mineral-richeasternandwesternethnicminorityautonomousregions,economicgrowthremainedtheleadingdomesticlevel,butduetotheirlimitednumberofunfavorablefactors,ledtothedevelopmentaspectsoftheinsuranceindustryhasbeenatalowlevel.DevelopmentofInnerMongolia,onbehalfofthelifeinsuranceindustryinmostunderdevelopedareasofdevelopmentcharacteristics,wecansay,thelifeinsuranceindustryresearchanddevelopmentinInnerMongoliainthetransitionperiod,thedevelopmentofChina'sinsuranceindustryhasatypicalrolemodel..Inthispaper,thethirdlargestlifeinsurancecompanies-ChinaLifeInsuranceCo.,Ltd.(hereinafterreferredtoasNCI)in2004inInnerMongoliaAutonomousRegion,establishedtwostraightbranchesexampleforanalysisandelaboration.ByanalyzingthedevelopmentstatusNCIInnerMongoliaBranch,combiningtheoreticalresearch,theuseofSWOTanalysismethod,ideasandinitiativesintheformoflifeinsurancedevelopmenteconomicdevelopmentandcurrentstatusoftheenterprise,tosolvevariousenterprisemanagementencounteredinpracticeproblem,Inthispaper,thedevelopmentoftheenvironmentandconditionsforthedevelopmentofInnerMongoliaBranchofNCIanalyzedthatcustomer-centricasthecoreoftheoveralldevelopmentstrategy,andstrategyimplementationpath.InnerMongolia,Xinhuaintendedtoachievedevelopmentthroughstrategictransformation,lifeinsuranceforthefuturedevelopmentofMidwestCity-basedinstitutionstoprovidereference.Keywords:NCI,InnerMongoliaBranch,developmentstrategy,customer-oriented,valuegrowth目录第一章引言............................................................................................................81.1选题背景及研究意义.................................................................................81.2国内外研究现状.........................................................................................91.3研究思路及方法.......................................................................................121.4研究内容简介...........................................................................................14第二章新华保险内蒙古分公司发展现状评述..................................................162.1新华保险简介...........................................................................................162.2新华保险内蒙古分公司发展历程及现状...............................................192.3新华保险内蒙古分公司发展中存在问题...............................................22第三章新华保险内蒙古分公司发展环境分析..................................................293.1宏观环境分析...........................................................................................293.1.1政策法律环境分析......................................................................293.1.2经济环境分析..............................................................................313.1.3社会文化环境分析......................................................................323.2行业环境分析...........................................................................................333.2.1行业基本特征分析......................................................................333.2.2行业竞争环境分析......................................................................343.2.3行业发展趋势分析......................................................................363.3发展机遇与威胁分析.............................................................................36第四章新华保险内蒙古分公司发展条件分析..................................................394.1资源条件分析...........................................................................................394.1.1产品开发资源分析......................................................................394.1.2人力条件资源分析......................................................................404.1.3企业文化条件分析..................