后危机时代保险公司盈利模式选择的理论分析  

Theoretical Analysis of the Future Trend of Insurance Company Profitability Model in the Post-financial Crisis Era

作　　者：祝向军[1] 

机构地区：[1]南开大学风险管理与保险学系,天津300071

出　　处：《广东金融学院学报》2010年第6期85-93,共9页Journal of Guangdong University of Finance

基　　金：教育部人文社会科学项目(07JA790055)

摘　　要：全球金融危机的冲击下促使人们重新思考保险公司未来的盈利模式选择。保险产品是风险转移和服务业务的有机组合。后金融危机时代中国保险公司盈利模式的"回归"并不是回到单一的保险模式,而是要改变"过分强调投资模式而服务模式发展滞后"的不合理的业务结构。因此,在坚持保险模式为本的基础上,以"服务模式"的提升作为当前中国保险公司盈利模式改进的突破点,切实转变保险业的发展方式;根据经济社会环境的发展变化均衡保险模式、服务模式和投资模式的资源配置和盈利贡献,形成保险公司动态的组合盈利模式,以保证中国保险业的全面协调可持续发展。An attack of the global financial crisis makes us rethink the future trend of insurance company profit-making model.The insurance product is the organized whole of risk transfer part and service part.The paper shows that the Back-to-Basics of insurance company profit-making model in the post-financial crisis era is not back to the single insurance-model era,but for transforming the mode of the insurance business development by changing the irrational business structure which developed more investment products and less insurance and service products,and also suggests that the improvement of the profit model in insurance company should focus on the promotion of Service-model now.Furthermore,according to changes in economic and social environment,the paper advances that the insurance company should balance the resource allocation and profit contribution of the insurance-model,investment-model and service-model to form the dynamic profitability package model,so that it can guarantee the comprehensive,balanced and sustainable development of China＇s insurance industry.

关 键 词：整体保险产品 回归主业 服务模式 组合盈利模式 

分 类 号：F840[经济管理—保险]