| With the rapid development of insurance industry in China, the number of subjects in insurance market experiences an upward trend. Although small and medium-sized property insurance company can not dominate the insurance market for their limited accepting insurance capacity and technique etc., they can provide customers with service (e.g., accepting insurance claim and risk management etc.) Small and medium sized property insurance companies have played an increasingly important role in the market, and have established certain market position. However, numerous problems have been exposed in the process of development. For instance, shortsighted operation behavior, blind expansion in scale etc.. Thus, leaders of China Insurance Regulatory Commission emphasized the necessity of strengthening the supervision on small and medium sized insurance companies and guide them to grow up well.This thesis mainly discusses the sustainable profitability of insurance in our country at present stage, it focuses on analysis and survey of small and medium-sized insurance operation environment, profit model, guiding ideology, cultivation of troops, cost control, capital expansion and other aspects. The paper firstly defines the concept of small and medium-sized company, and analyzes their operation environment with SWOT analysis approach, based on these aspects,the paper forms the sustainable profitability system of insurance companies and applies factor analysis. Then relevant suggestions are proposed after defining the major factors which affect the sustainable profitability. Small and medium sized insurance companies need choose the adequate earning model according to their developing condition, cultivate the professional parishioners about insurance, return to the nature,control the cost and focus on accepting insurance business. They can enhance the capital strength by controlling the cost, circulating funds through stock market and attracting strategic investors etc.. |
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