保險市場的競爭與合作-wenkub
2023-07-09 19:30:24 本頁面
【正文】 …………3四、我國保險業(yè)存在不合理的競爭…………………………………………………3（一）代理業(yè)務(wù)手續(xù)費高企………………………………………………………3（二）長險短做……………………………………………………………………3（三）降低費率……………………………………………………………………4（四）改變性質(zhì)……………………………………………………………………4（五）應(yīng)收保費居高不下……………………………………………………………4（六）基層公司負責(zé)人魚目混珠……………………………………………………4（七）做假賠案………………………………………………………………………4（八）保費不入帳……………………………………………………………………4五、我國保險市場競爭與合作的對策………………………………………………5（一）從短期利益導(dǎo)向的合作向長期共贏導(dǎo)向的合作轉(zhuǎn)變………………………5（二）從千篇一律的合作向差異化的合作轉(zhuǎn)變……………………………………5（三）從區(qū)域性合作向全國性合作轉(zhuǎn)變…………………………………………6（四）從單一形式的合作向多元形式的合作轉(zhuǎn)變………………………………6六、我國保險業(yè)合作的發(fā)展方向………………………………………………7（一）市場同盟……………………………………………………………………7（二）國際性或區(qū)域性合作…………………………………………………………8（三）保險中介人的合作…………………………………………………………8（四）建立信息資源合作共享平臺………………………………………………8主要參考文獻…………………………………………………………………………9一、引 論新的商場已經(jīng)不是早期的人們所想像的那種你死我活的爭斗場，而是由各種共生關(guān)系組成的生態(tài)系統(tǒng)。s insurance panies reached 110, including 69 Chinesefunded panies, foreign panies 41. There is also a large number of professionals, and industry, the insurance intermediaries. Rapid economic development, marketbased weak and the influx of foreign panies, all made in China39。關(guān)鍵詞：競爭與合作；分散風(fēng)險；區(qū)域差異AbstractThe twentyfirst century, the Chinese economy has attracted worldwide attention at this pace, China39。但保險業(yè)在快速發(fā)展的同時還產(chǎn)生了一些問題，市場主體的不斷增加，對市場份額的過度追逐，致使以“高手續(xù)費、高退費、低費率”為主要標(biāo)志的無序競爭、惡性競爭有愈演愈烈之勢；隨著我國進一步對外開放金融市場外資公司大量涌入內(nèi)地保險市場，2009年我國保險公司已達110家，其中中資公司69家，外資公司41家。此外還有眾多的專、兼業(yè)保險中介機構(gòu)。s insurance industry has been acpanied by the overall economic development in the fast lane into the highspeed development. However, the rapid development of the insurance industry also generated a number of issues, market players continued to increase, the excessive pursuit of market share, resulting in high fee, highrefundable, lowrate as the main indicator of the disorderly petition, cutthroat petition to be getting worse。s insurance market must accelerate the pace of reform. Reasonable use of the market petition mechanism to promote development, petition and cooperation in search of a unified China39。共生是指兩種或多種生物互相合作，以提高生存能力的一種生存狀態(tài)。競合營銷強調(diào)整合巨變，突出協(xié)同創(chuàng)新，在合作中不斷增進企業(yè)的市場競爭力，獲得新的機會。我們一方面要自力更生、自我發(fā)展，一方面要快速反應(yīng)，詳細知曉競
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