保险企业数字化战略转型路径研究
|
摘要
数字经济的深入推进正深刻地改变着保险企业的内外部环境,数字化战略转型成为保险企业发展必然选择。本文首先从外部环境推动和内部能力重塑拉动两方面剖析了保险企业数字化战略转型的动因,随后对保险企业数字化战略转型的内涵和特征进行阐释,在此基础上构建了保险企业数字化战略转型的"转型动因-转型过程-转型成效"的实现框架。建议保险企业从客户交互端、业务运营端以及支持保障端三大层面及九大维度着手进行变革转型,本文的研究试图对企业数字化战略转型的理论研究和管理实践有所启示。
The deepening of the digital economy is profoundly changing the internal and external environment of insurance companies,and the strategic digital transformation has become the inevitable way for the development of insurance companies. This paper analyzed the drivers of strategic digital transformation from the external environment and the internal capacity reshaping. Then it explained the connotation and characteristics of the concept of strategic digital transformation for insurance companies. Finally,it constructed the execution framework of "transformation drivers,transformation process,transformation effect" for insurer's strategic digital transformation. It proposed that insurers should carry out the transformation from three levels of customer interaction,business operation and back-office support,and nine dimensions to realize their digitization. Hopefully,the paper is of some inspiration for theoretical research and management practices on strategic digital transformation.
The deepening of the digital economy is profoundly changing the internal and external environment of insurance companies,and the strategic digital transformation has become the inevitable way for the development of insurance companies. This paper analyzed the drivers of strategic digital transformation from the external environment and the internal capacity reshaping. Then it explained the connotation and characteristics of the concept of strategic digital transformation for insurance companies. Finally,it constructed the execution framework of "transformation drivers,transformation process,transformation effect" for insurer's strategic digital transformation. It proposed that insurers should carry out the transformation from three levels of customer interaction,business operation and back-office support,and nine dimensions to realize their digitization. Hopefully,the paper is of some inspiration for theoretical research and management practices on strategic digital transformation.
引文
[1] 安联保险集团经济研究团队.未来的保险客户——基于互联网及相关技术的调查报告[J].保险研究,2015,(9):23-38.
[2] 陈建安,陶雅,徐书山.人力资源管理创新的管理理念研究[J].江苏大学学报(社会科学版),2016,(1):60-70.
[3] 二十国集团数字经济发展与合作倡议[R].杭州:G20杭州峰会,2016.
[4] 黄群慧,贺俊.“第三次工业革命”与中国经济发展战略调整——技术经济范式转变的视角[J].中国工业经济,2013,(1):5-18.
[5] 黄速建,肖红军,王欣.论国有企业高质量发展[J].中国工业经济,2018,(10):19-41.
[6] 李琼,刘庆,吴兴刚.互联网对我国保险营销渠道的影响分析[J].保险研究,2015,(3):24-35.
[7] 李海舰,田跃新,李文杰.互联网思维与传统企业再造[J].中国工业经济,2014,(10):135-146.
[8] 李小玉,薛有志,牛建波.企业战略转型研究述评与基本框架构建[J].外国经济与管理,2015,(12):3-15.
[9] 刘远翔.互联网保险发展对保险企业经营效率影响的实证分析[J].保险研究,2015,(9):104-116.
[10] 刘力钢,袁少锋.大数据时代的企业战略思维特征[J].中州学刊,2015,(1):42-46.
[11] 薛有志,周杰,初旭.企业战略转型的概念框架:内涵、路径与模式[J].经济管理,2012,(7):39-48.
[12] 谢雨虹.互联网信息化视域下传统制造业发展路径刍议[J].商业经济,2018,(6):55-56.
[13] 余江,孟庆时,张越,等.数字创业:数字化时代创业理论和实践的新趋势[J].科学学研究,2018,(10):1801-1808.
[14] 杨现民,余胜泉.论我国数字化教育的转型升级[J].教育研究,2014,(5):113-120.
[15] 赵岑,孙潇潇.国外保险集团的数字化转型之路[J].清华金融评论,2017,(12):30-34.
[16] 赵昌文,许召元.国际金融危机以来中国企业转型升级的调查研究[J].管理世界,2013,(4):8-15.
[17] 朱俊生.科技与保险业数字化转型[J].中国保险,2017,(8):12-15.
[18] 赵昌文,许召元.国际金融危机以来中国企业转型升级的调查研究[J].管理世界,2013,(4):8-15.
[19] Candelon F,Kaufman E,Morieux Y等.平台化组织:组织变革前沿的“前言”[R].杭州:阿里研究院,2016.
[20] Ginsberg A.Measuring and Modelling Changes in Strategy:Theoretical Foundations and Empirical Directions[J].Strategic Management Journal.1988,9:559-575.
[21] Gioia D A T,Thomas J,Clark S,et al.Symbolism and Strategic Change in Academia:the Dynamics of Sensemaking and Influence[J].Organization Science.1994,5:363-383.
[22] Hoskisson R E,Hitt M A.Strategic Control Systems and Relative R&D Investment in Large Multiproduct Firms[J].Strategic Management Journal.1988,9:605-621.
[23] Tushman M L,Virany B,Romanelli E.Executive Succession,Strategic Reorientations,and Organization Evolution:the Minicomputer Industry as a Case in Point[J].Technology in Society.1985,7:297-313.
[24] Wiersema M F,Bantel K A.Top Management Team Demography and Corporate Strategic Change[J].Academy of Management Journal.1992,1:91-121.
[2] 陈建安,陶雅,徐书山.人力资源管理创新的管理理念研究[J].江苏大学学报(社会科学版),2016,(1):60-70.
[3] 二十国集团数字经济发展与合作倡议[R].杭州:G20杭州峰会,2016.
[4] 黄群慧,贺俊.“第三次工业革命”与中国经济发展战略调整——技术经济范式转变的视角[J].中国工业经济,2013,(1):5-18.
[5] 黄速建,肖红军,王欣.论国有企业高质量发展[J].中国工业经济,2018,(10):19-41.
[6] 李琼,刘庆,吴兴刚.互联网对我国保险营销渠道的影响分析[J].保险研究,2015,(3):24-35.
[7] 李海舰,田跃新,李文杰.互联网思维与传统企业再造[J].中国工业经济,2014,(10):135-146.
[8] 李小玉,薛有志,牛建波.企业战略转型研究述评与基本框架构建[J].外国经济与管理,2015,(12):3-15.
[9] 刘远翔.互联网保险发展对保险企业经营效率影响的实证分析[J].保险研究,2015,(9):104-116.
[10] 刘力钢,袁少锋.大数据时代的企业战略思维特征[J].中州学刊,2015,(1):42-46.
[11] 薛有志,周杰,初旭.企业战略转型的概念框架:内涵、路径与模式[J].经济管理,2012,(7):39-48.
[12] 谢雨虹.互联网信息化视域下传统制造业发展路径刍议[J].商业经济,2018,(6):55-56.
[13] 余江,孟庆时,张越,等.数字创业:数字化时代创业理论和实践的新趋势[J].科学学研究,2018,(10):1801-1808.
[14] 杨现民,余胜泉.论我国数字化教育的转型升级[J].教育研究,2014,(5):113-120.
[15] 赵岑,孙潇潇.国外保险集团的数字化转型之路[J].清华金融评论,2017,(12):30-34.
[16] 赵昌文,许召元.国际金融危机以来中国企业转型升级的调查研究[J].管理世界,2013,(4):8-15.
[17] 朱俊生.科技与保险业数字化转型[J].中国保险,2017,(8):12-15.
[18] 赵昌文,许召元.国际金融危机以来中国企业转型升级的调查研究[J].管理世界,2013,(4):8-15.
[19] Candelon F,Kaufman E,Morieux Y等.平台化组织:组织变革前沿的“前言”[R].杭州:阿里研究院,2016.
[20] Ginsberg A.Measuring and Modelling Changes in Strategy:Theoretical Foundations and Empirical Directions[J].Strategic Management Journal.1988,9:559-575.
[21] Gioia D A T,Thomas J,Clark S,et al.Symbolism and Strategic Change in Academia:the Dynamics of Sensemaking and Influence[J].Organization Science.1994,5:363-383.
[22] Hoskisson R E,Hitt M A.Strategic Control Systems and Relative R&D Investment in Large Multiproduct Firms[J].Strategic Management Journal.1988,9:605-621.
[23] Tushman M L,Virany B,Romanelli E.Executive Succession,Strategic Reorientations,and Organization Evolution:the Minicomputer Industry as a Case in Point[J].Technology in Society.1985,7:297-313.
[24] Wiersema M F,Bantel K A.Top Management Team Demography and Corporate Strategic Change[J].Academy of Management Journal.1992,1:91-121.