【正文】 碩士學(xué)位論文 全國性保險(xiǎn)中介公司可行性研究 學(xué)科專業(yè)： 工商管理 研究方向： 企業(yè)管理 華中師范 經(jīng)濟(jì)與工商管理學(xué)院 20xx 年 5月 Feasibility study about setting up national insurance intermediary pany A Thesis Submitted in Partial Fulfillment of the Requirement For the MBA Degree in Management By Dan Bin Postgraduate Program College of Economics Central China Normal University Supervisor: Duan Cong Qing Academic Title: Professor Signature ___________ Approved 華中師范大學(xué)學(xué)位論文原創(chuàng)性聲明和使用授權(quán)說 明 原創(chuàng)性聲明 本人 鄭重聲明：所呈交的學(xué)位論文，是本人在導(dǎo)師指導(dǎo)下，獨(dú)立進(jìn)行研究工作所取得的研究成果。除文中已經(jīng)標(biāo)明引用的內(nèi)容外，本論文不包含任何其他個(gè)人或集體已經(jīng)發(fā)表或撰寫過的研究成果。對本文的研究做出貢獻(xiàn)的個(gè)人和集體，均已在文中以明確方式標(biāo)明。本聲明的法律結(jié)果由本人承擔(dān)。 作者簽名： 日期： 年 月 日 學(xué)位論文版權(quán)使用授權(quán)書 學(xué)位論文作者完全了解華中師范大學(xué)有關(guān)保留、使用學(xué)位論文的規(guī)定，即： 研究生在校攻讀學(xué)位期間論文工作的知識(shí)產(chǎn)權(quán)單位屬 華中 師范 大學(xué)。 學(xué)校有權(quán)保留并向國家有關(guān)部門或機(jī)構(gòu)送交論文的復(fù)印件和電子版，允許學(xué)位論文被查閱和借閱；學(xué)?？梢怨紝W(xué)位論文的全部或部分內(nèi)容，可以允許采用影印、縮印或其它復(fù)制手段保存、匯編學(xué)位論文。（保密的學(xué)位論文在解密后遵守此規(guī)定） 保密論文注釋：本學(xué)位論文屬于保密 ， 在 年解密后適用本授權(quán)書。 非保密論文注釋：本學(xué)位論文不屬于保密范圍，適用本授權(quán)書。 作者簽名： 導(dǎo)師簽名： 日期： 年 月 日 日期： 年 月 日 本人已經(jīng)認(rèn)真閱讀“ CALIS 高校學(xué)位論文全文數(shù)據(jù)庫發(fā)布章程” ,同意將本人的學(xué)位論文提交“ CALIS 高校學(xué)位論文全文數(shù)據(jù)庫”中全文發(fā)布 ,并可按“章程”中的規(guī)定享受相關(guān)權(quán)益。 同意論文提交后滯后：□半年；□一年；□二年發(fā)布。 作者簽名： 導(dǎo)師簽名： 日期： 年 月 日 日期： 年 月 日 i 摘 要 1998 年在東南亞各地爆發(fā)的金融危機(jī)， 20xx 年在美國由于房地產(chǎn)次貸危機(jī)誘發(fā)的金融海嘯， 20xx 年希臘政府發(fā)生嚴(yán)重的財(cái)政危機(jī)等等，這些特定的金融事件雖然發(fā)生在不同國家，破壞程度不一，但其結(jié)果是相似的，都對當(dāng)事國和世界經(jīng)濟(jì)造成了災(zāi)難性的影響和較大的經(jīng)濟(jì)波動(dòng)，對民眾的生活造成負(fù)面的影響。金融這雙無形的手的對世界的影響力量已經(jīng)超過了戰(zhàn)爭，人們把它比喻為 “貨幣戰(zhàn)爭 ”，金融立國已是大勢所趨，如何在世界性的金融危機(jī)中幸免于難 ？提高金融在中國的地位和世界的影響力及抗風(fēng)險(xiǎn)能力是我們必須直面的課題。 保險(xiǎn)作為我國金融行業(yè)的三駕馬車之一，其作用和影響力正在逐年上升，已經(jīng)成為金融價(jià)值鏈中的重要環(huán)節(jié)。我國的保險(xiǎn)事業(yè)發(fā)展才短短二十余年，政策支持、市場環(huán)境和保險(xiǎn)機(jī)制很不成熟，國民的風(fēng)險(xiǎn)管控意識(shí)和保險(xiǎn)觀念有待加強(qiáng)。而且處于發(fā)展初期的保險(xiǎn)中介公司也存在較多問題：一是保險(xiǎn)中介與經(jīng)濟(jì)發(fā)展的總體要求、與保險(xiǎn)業(yè)發(fā)展的需求、與人民群眾對保險(xiǎn)服務(wù)的需要仍不相適應(yīng)。服務(wù)質(zhì)量和服務(wù)水平還有相當(dāng)大差距，代理機(jī)構(gòu)的誠信、經(jīng)紀(jì)機(jī)構(gòu)的專業(yè)、公估機(jī)構(gòu)的公正、人才隊(duì)伍建設(shè)等 都是需要我們長期關(guān)注的問題；二是保險(xiǎn)中介從業(yè)人員和保險(xiǎn)營銷員的崗前培訓(xùn)和繼續(xù)教育制度沒有很好地落實(shí)； 三是規(guī)模小。保險(xiǎn)中介機(jī)構(gòu)數(shù)量雖已發(fā)展到 20xx 余家，但無論是整體還是個(gè)體，其市場份額、業(yè)務(wù)收入、資產(chǎn)規(guī)模都較小，僅相當(dāng)于一家中等規(guī)模的保險(xiǎn)公司。 面對我國加入世貿(mào)以來的經(jīng)濟(jì)全球化趨勢，市場的逐步開放，產(chǎn)銷分離的加速，保險(xiǎn)中介行業(yè)已經(jīng)成為一種新的發(fā)展趨勢。筆者作為一名保險(xiǎn)中介從業(yè)者，主要是從以下幾個(gè)方面對組建全國性保險(xiǎn)中介公司的可行性進(jìn)行分析研究的：一、企業(yè)組織結(jié)構(gòu)的構(gòu)建；二、運(yùn)行模式及企業(yè)文化；三、盈利模式 與財(cái)務(wù)分析。 本文首先對我國保險(xiǎn)的需求與現(xiàn)實(shí)的落差進(jìn)行宏觀剖析，進(jìn)而對保險(xiǎn)中介未來發(fā)展的形態(tài)和路徑進(jìn)行科學(xué)判斷，通過對世界保險(xiǎn)中介產(chǎn)業(yè)發(fā)展核心制度的分析，提出我國保險(xiǎn)中介業(yè)發(fā)展核心競爭力建設(shè)的思路和具體的運(yùn)作方式，包括盈利模型、服務(wù)模式等，并進(jìn)一步印證可行性，對組建企業(yè)的投入和產(chǎn)出的財(cái)務(wù)狀況進(jìn)行了詳細(xì)分析，最后通過對經(jīng)濟(jì)效益和社會(huì)效益的雙重評估，力證了本項(xiàng)目的可行性。希望對籌建和發(fā)展保險(xiǎn)中介企業(yè)提供系統(tǒng)的、有益的借鑒和幫助。 關(guān)鍵詞： 保險(xiǎn)中介 盈利模式 量化標(biāo)準(zhǔn) 核心競爭力 ii Abstract In 1998 the outbreak of the financial crisis in southeast Asia, due to the property in the United States in the of 20xx induced the financial tsunami, in 20xx a serious financial crisis broke in Greece, although these specific financial events happened in different countries, have different damage, but the result is the same. All has the impact of disaster on the parties and the world economy and economic volatility, an adverse impact on the lives of people, financial these invisible hand has bee a greater impact than the war powers of the world. People around the world financial form pared to the currency wars, these is not a accidental event for our country39。s economic and financial workers sent a useful warning, financial state has been imminent had to send, how to survive in the global financial crisis? Improve the financial status in China and the world39。s influence and the ability to resist risk is must face the reality of the project. Insurance as one of the troika of China39。s financial industry. Its effect and influence is on the rise year by year. The economic development and the harmonious social construction plays a huge social positive energy, bee a important part of the financial value chain. And the development of insurance in China is only a short more than 20 years, policy support, market environment and the insurance mechanism is not very mature. And the consciousness and the concept of risk control should strengthen. And is at the early stage of development of the insurance intermediary panies have more problems. The first problem is the insurance agents don’t match the overall requirements of economic development. People still don39。t adapt to the need for insurance services. The second problem is the insurance intermediary practitioners and insurance marketing staff preservice training and continuing education system was not well implemented. The third problem is the scale of this industry is too small. Insurance intermediary institution number has grown to over 20xx, but market share, revenue, asset scale of all institution are only about a mediumsized insurance pany. In the face of economic globalization since China39。s accession to the WTO in 20xx, the market gradually opening, production and marketing separation speed, the insurance intermediary industry is being a new trend, how to guide the mediation strategy layout, chaos to win? In the process of enterprise operation profit model which take? If there is a measurable can be used for reference? These problems is the writer as an insurance intermediary practitioners the purpose of the study. Firstly, this paper makes macroscopic analysis on insurance demand in China and the reality gap. Secondly this paper is to form and path for the future development of insurance intermediary fo r scientific judgment. Through the analysis of the intermediary development at the core of iii the system, put forward of the construction of the core petitiveness of China39。s insurance intermediary development train of thought and specific works, including profit model, service model, to further confirm the feasibility. Thirdly this paper is to form a enterprise of input and output of the financial situation analysis. Finally through the analysis of the dual economic and social benefits shows the feasibility of this