中国人寿团体业务发展战略研究
摘要
随着中国保险市场的竞争的日益激烈，特别是中国加入WTO后，中国人寿在21世纪面临的生存环境比以往任何一个时期来说都更加复杂、更加严峻。作为寿险公司传统业务的团体保险业务，它既是社会福利保障制度的重要组成部分，更是日前我国国内各家寿险公司赖以生存和发展壮大的重要支柱，同时也是国内寿险市场竞争最为激烈的一方热土，更是许多外国保险公司早已垂涎三尺的一块大“蛋糕”。如何面对严峻的竞争环境，谋求团体保险业务的生存与发展，已成为国内各寿险公司当前需要迫切解决的重大课题。
本文运用企业战略管理理论、产业组织理论及人力资源管理理论，结合中国人寿保险公司的实际，对中国人寿团体保险业务的发展战略的建立与实施提出了建设性意见。
首先，对中国保险业的现状进行分析、明确了外部环境给中国人寿带来的机会与威胁。通过对中国人寿团体业务发展的存在的问题以及中国人寿团险业务发展的有利因素、人寿保险团体业务发展的热点等内部环境的分析，确认了中国人寿团体业务具有的优势与劣势，为制定中国人寿团体业务的发展战略奠定了基础。
其次，论述了中国人寿团业务的战略地位，明确了中国人寿的企业使命即为社会提供保障，稳定经济，稳定社会。确定了中国人寿团体业务的战略目标。
最后，提出了与中国人寿团体业务战略发展目标相匹配的五个战略选择即，事业部战略、营销战略、人力资源战略、服务品牌战略、产品创新战略，
并对每个战略提出了较具体的实施方案，对每个方面存在的问题提出了相应
的解决措施，以保证中国人寿团体业务的发展战略能顺利得以实施，进而实
现中国人寿团体业务的发展战略目标。
Nowadays the Competition of Chinese insurance market is getting harder and harder, especially after china joined WTO, the china life insurance company in 21 century has to survive in a more difficult, more complex circumstance than any period before.
Group insurance is a part of traditional insurance business, which is not only an important part of social welfare system, but also strongly support development of our domestic insurance companies, for this reason the group insurance has become a most crucial competitive area, moreover many foreign insurance com panies are also interested with this "huge cake". There fore,how to deal with such serious competitive circumstance, how to get a right way to survive and develop in the group insurance market have become one of the most important questions for all domestic insurance companies. No time to waste, to win the competition the company must look into the future and make a scientific developmental strategy for the group insurance market.
In this report, we use Enterprise Strategic Management theory Industrial Organization theory Human Resources theory and combine with the China Life Insurance Company's reality provide constructive suggestions which is about establish and implement developmental strategy for the group insurance market, to the China Life Insurance Company (China Life).
Firstly, to analyse the present conditions of Chinese insurance industry identify the risks and opportunities that come from outside circumstance for China
Life. Through analysis process, find problems and highlights that exist in China Life 's group insirance develop inert then identify the advantages and disadvantages of China Life in the group insurance market, provide fundamental inform ation to China Life' s group insirance strategy
Secondly, discuss about the strategy position of China Life's group insurance business, identify the mission of China Life that is to provide social safeguard, keep economic stability, and keep social stability. Also confirm the strategic target of China Life's groupinsurance business
Finally, provi
there are career stratagem; human resource stratagem; service and brand stratagem; production innovation stratagem and marketing stratagem.
Furthermore, also provide implemental projects for every stratagem and solutions for potential problems, all of them will ensure implementation of China Life' s group insirance striegy to achieve the strategic target of China life' s group insurance business.
本文运用企业战略管理理论、产业组织理论及人力资源管理理论，结合中国人寿保险公司的实际，对中国人寿团体保险业务的发展战略的建立与实施提出了建设性意见。
首先，对中国保险业的现状进行分析、明确了外部环境给中国人寿带来的机会与威胁。通过对中国人寿团体业务发展的存在的问题以及中国人寿团险业务发展的有利因素、人寿保险团体业务发展的热点等内部环境的分析，确认了中国人寿团体业务具有的优势与劣势，为制定中国人寿团体业务的发展战略奠定了基础。
其次，论述了中国人寿团业务的战略地位，明确了中国人寿的企业使命即为社会提供保障，稳定经济，稳定社会。确定了中国人寿团体业务的战略目标。
最后，提出了与中国人寿团体业务战略发展目标相匹配的五个战略选择即，事业部战略、营销战略、人力资源战略、服务品牌战略、产品创新战略，
并对每个战略提出了较具体的实施方案，对每个方面存在的问题提出了相应
的解决措施，以保证中国人寿团体业务的发展战略能顺利得以实施，进而实
现中国人寿团体业务的发展战略目标。
Nowadays the Competition of Chinese insurance market is getting harder and harder, especially after china joined WTO, the china life insurance company in 21 century has to survive in a more difficult, more complex circumstance than any period before.
Group insurance is a part of traditional insurance business, which is not only an important part of social welfare system, but also strongly support development of our domestic insurance companies, for this reason the group insurance has become a most crucial competitive area, moreover many foreign insurance com panies are also interested with this "huge cake". There fore,how to deal with such serious competitive circumstance, how to get a right way to survive and develop in the group insurance market have become one of the most important questions for all domestic insurance companies. No time to waste, to win the competition the company must look into the future and make a scientific developmental strategy for the group insurance market.
In this report, we use Enterprise Strategic Management theory Industrial Organization theory Human Resources theory and combine with the China Life Insurance Company's reality provide constructive suggestions which is about establish and implement developmental strategy for the group insurance market, to the China Life Insurance Company (China Life).
Firstly, to analyse the present conditions of Chinese insurance industry identify the risks and opportunities that come from outside circumstance for China
Life. Through analysis process, find problems and highlights that exist in China Life 's group insirance develop inert then identify the advantages and disadvantages of China Life in the group insurance market, provide fundamental inform ation to China Life' s group insirance strategy
Secondly, discuss about the strategy position of China Life's group insurance business, identify the mission of China Life that is to provide social safeguard, keep economic stability, and keep social stability. Also confirm the strategic target of China Life's groupinsurance business
Finally, provi
there are career stratagem; human resource stratagem; service and brand stratagem; production innovation stratagem and marketing stratagem.
Furthermore, also provide implemental projects for every stratagem and solutions for potential problems, all of them will ensure implementation of China Life' s group insirance striegy to achieve the strategic target of China life' s group insurance business.
引文
[1]盛况伦．入世背景下保险理论探索．广西新闻出版局，2002．11
[2]尤德新．寿险理论与实务．海南国际新闻出版中心，1996．10
[3]国泰人寿保险业书编辑委员会译．人寿保险学通论．国泰人寿保险业书
[4]日本生命保险协会．人身保险市场论．中国金融出版社，1991．1
[5]马鸣家．中国保险市场．中国商业出版社，1994．12
[6]菜致通．人身保险．中国金融出版社，1985．10
[7]迈克尔·波特．竞争战略．陈小悦译．华夏出版社，1997．1
[8]徐国华．现代企业管理．中国经济出版社，1993．1
[9]傅家骥，姜彦福．技术创新——中国企业发展之路．企业管理出版社，1992．4
[10]刘海泉．中国国有企业改革的回顾与展望．首都经济贸易大学出版社，2000．2
[11]王麟康，于翔．企业经营战略．中国物资出版社，1996．6
[12]余凯成，陈维政．人力资源开发与管理．企业管理出版社，1997
[13]王方华，吕巍．企业战略管理．复旦大学出版社，1997．11
[14]产业经济与实务．中国劳动出版社，1997
[15]中国保险年鉴．中国保险年鉴编写委员会．2002
[16]Kenneth J. Hatten &Many Louise Hatten..Strategic Management Analysis and Action.Prentice-Hall Inc. Englewood Cliffs, New Jersey. 1987
[17]Philip W. Mahin..Business-to-Business Marketing Strategic Resource
Management and Uses.Allyn and Bacon. Boston, 1991
[18]Willam F. Glucek, Lawrence R.Jaueh..Business Policy and Strategic Management.Mcgraw-Hill Inc. 1984
[19]Hertre Assael.Marketing Management-Strategy and Action.Kent Publishing Company, 1985
[20]Stephen P Robbirs.Funderamentals of Management.
[21]Lawence S Heiman .Human Resource Management.
[22]Stephen P rohbins .A Framework for Marketing Management.
[23]John V Till .Excellence in Business Communication .2000
[24]William D Pereault Jerome Mccarthy. Basic Marketing. 1995
[25]Jennifer M George. Understanding and Managing Organizational behavior. 2000
[2]尤德新．寿险理论与实务．海南国际新闻出版中心，1996．10
[3]国泰人寿保险业书编辑委员会译．人寿保险学通论．国泰人寿保险业书
[4]日本生命保险协会．人身保险市场论．中国金融出版社，1991．1
[5]马鸣家．中国保险市场．中国商业出版社，1994．12
[6]菜致通．人身保险．中国金融出版社，1985．10
[7]迈克尔·波特．竞争战略．陈小悦译．华夏出版社，1997．1
[8]徐国华．现代企业管理．中国经济出版社，1993．1
[9]傅家骥，姜彦福．技术创新——中国企业发展之路．企业管理出版社，1992．4
[10]刘海泉．中国国有企业改革的回顾与展望．首都经济贸易大学出版社，2000．2
[11]王麟康，于翔．企业经营战略．中国物资出版社，1996．6
[12]余凯成，陈维政．人力资源开发与管理．企业管理出版社，1997
[13]王方华，吕巍．企业战略管理．复旦大学出版社，1997．11
[14]产业经济与实务．中国劳动出版社，1997
[15]中国保险年鉴．中国保险年鉴编写委员会．2002
[16]Kenneth J. Hatten &Many Louise Hatten..Strategic Management Analysis and Action.Prentice-Hall Inc. Englewood Cliffs, New Jersey. 1987
[17]Philip W. Mahin..Business-to-Business Marketing Strategic Resource
Management and Uses.Allyn and Bacon. Boston, 1991
[18]Willam F. Glucek, Lawrence R.Jaueh..Business Policy and Strategic Management.Mcgraw-Hill Inc. 1984
[19]Hertre Assael.Marketing Management-Strategy and Action.Kent Publishing Company, 1985
[20]Stephen P Robbirs.Funderamentals of Management.
[21]Lawence S Heiman .Human Resource Management.
[22]Stephen P rohbins .A Framework for Marketing Management.
[23]John V Till .Excellence in Business Communication .2000
[24]William D Pereault Jerome Mccarthy. Basic Marketing. 1995
[25]Jennifer M George. Understanding and Managing Organizational behavior. 2000