Analysis Of Factors Influencing The Operating Conditions Of China’s Small And Medium-sized Life Insurance Company

At present, there are a lot number of small and medium-sized life insurance companies inChina’s life insurance market, because of the restrictions, there are many problems in theprocess of the company’s development, the company’s operating condition is influenced bymany factors. For the research of small and medium-sized insurance companies’ operatingcondition, we can’t stay in the general qualitative description. we need to choose someindexes of quantitative analysis for comprehensive evaluation. This thesis mainly draws theevaluation methodology of the company’s operation into the small and medium-sized lifeinsurances. This method gets the comprehensive management scores of small andmedium-sized life insurances through building a multi-dimensional assessment indicatorsystem. Then, it gives some suggestions based some factors influencing the operatingconditions of small and medium-sized life insurance companies. Part1is Introduction, itintroduces researching situation of the thesis; Part2is background introduction, it elaboratesthe basic situation of small and medium-sized life insurance companies; Part3and Pard4arethe focus of this thesis, it constructs evaluation index system and has carried on thecorrelation analysis; Part5summarizes the whole analysis process, it gives some suggestions.Detailed logic system of this thesis is described below:The first part is introduction. First of all, it introduces significance and background. Thenit introduces domestic and foreign experts’ research and generalizes the whole way. Finally, itpoints out deficiencies and innovations.The second part is the situation of companies in China. First of all, based the tentativeprovisions of company’s standard and the operating characteristics of the company, it selectstwenty representative life insurance companies as the sample. Then, it describes the role ofsmall and medium-sized life insurance company in the development of the life insurancemarket. Finally, through the analysis of small and medium-sized life insurance companyoperating status, it describes the many problems in the management of the company.The third part is the analysis of the operating conditions. Through drawing lessons fromevaluation theory of the life insurance company’s operating conditions, it designs fivedimensions measured small and medium-sized life insurance company’s operating conditions, Include profitability, operating stability, capital operation ability, solvency, growth. Based fivedimensions, it choose thirteen evaluation index to construct evaluation index system. Finally,based principal-component analysis model, it gets the comprehensive management scores ofsmall and medium-sized life insurances by using SPSS18.0.The fourth part is analysis of factors influencing the operating conditions of the company.Based the third part, it analyses the external factors and internal factors about small andmedium-sized life insurance company’ operating condition by two angles. Finally, it studiesthe relevance of scores and internal factors by multiple linear regression analysis.The fifth part is the concluding chapter. Based qualitative and quantitative analysis, itsummarizes and provides some policy suggestions.