The Competing Ability Studying On Chinese No-life Insurance Company

In the view of the development of Chinese insurance marketing, more than four years after china's entering WTO, the threat ,which foreign capital insurance organizations bring to the Chinese insurance business enterprises, is not so serious as people worrying about before entering WTO.In short period, the foreign capital insurance companys can't threat the Chinese insurance companys,though it shares parts of Chinese insurances market quota, relying on its advanced products and high-quality service. However, in a long run, if the national insurance industrys want to participate the international insurance market competition, they not only need to catch up with the levels of the developed countries as soon as possible in product, service, computer technique and information management handling system, but also need to shorten with the margin of the enterprise's synthesis competing ability (include: underwriting ability, innovation ability and solvency). There are some important meanings and realistic guiding meanings tostudy the insurance business enterprise's synthesis competing ability——theinnovation ability, solvency and the underwriting ability for the strategy development of insurance companys.1. The innovation ability is a means that secures insurance companys' competing ability. Since the word "innovation" was first used in the Germen version of "economy development theory" in 1911 by J. A. Schumpeter, a U.S. citizen scholar lived in Austria, especially, ten years later since the C. Freeman putting forward the concept of the national innovation system. The scholars all over the world probed positively, cultivated and published large quantity monographs and academic articles, but the work of large quantity is for studying the theories and methods about the national innovation system, the city innovation system, the professional innovation system and the area innovation system. We...