保险学-财险公司经营短期人身保险的现状分析论文

财险公司经营短期人身保险的现状分析—以太平洋财产保险深圳分公司为例【摘要】2003 年新《保险法》实施后，财产保险公司开始兼营短期人身保险业务。十七年过去了，短期人身险市场需求量越来越大，繁荣背后，经营短期人身险的各种利弊不容忽视。财险公司如何科学合理地经营短期人身险，是目前急需解决的问题。明确财险公司短期人身险业务的经营现状，为财险公司规划未来的发展蓝图和政府完善保险政策提供相关依据。基于宏观环境分析方法即 PEST 分析，对财险公司经营的宏观环境进行分析；基于内部条件下的态势分析即经营优势与劣势分析。结合经营环境与经营现状，财险公司应运用科学的管理模式，吸收人才资源，着眼客户需求进行产品开发创新；政府应建立健全保险行业监管制度，协助财险公司加强风险防范。【关键词】财产保险公司；短期人身保险；经营环境；保险需求 Analysis on the current situation of short-term life insurance operated by property insurance companies—Take Shenzhen Branch of Pacific Property Insurance Co., Ltd as an example[Abstract] The new Insurance Law carried out in 2003, since then property insurance companies began to hold concurrently short-term life insurance business. Seventeen years have passed, the short-term life insurance market demand is larger, behind the prosperity, the advantages and disadvantages of short-term life insurance can’t be ignored. The scientific and rational management of short-term life insurance is an urgent issue. Clarify the operating conditions of the property insurance company’s short-term life insurance business to provide a relevant basis for the property insurance company to plan its future development plan and improve policy governance. The macro environment of property insurance companies was analyzed based on PEST's macro-environmental analysis methodology. The situation analysis based on internal condition is the analysis of business advantage and disadvantage. Property insurance companies should combine the o...