| China's insurance industry has experienced a slow from the rapid development process from a monopoly of a single market to a diversified change."Twelve Five" period,China's insurance market size of the global ranking jumped from the sixth to the third,has become one of the important pillars of national economic development,China is becoming a new insurance power."13th Five-Year Plan" period is the rapid development of China's insurance industry,deepen the reform,change the development mode of the critical period,will establish a main body of diverse,competitive and orderly market system,rich insurance products,marketing channels and diverse,wide range of services,Upgrade the insurance market system.Jiangxi China Post life Insurance Co.,Ltd.as the first provincial branch in China to open up the value of the growth of the development direction,through the start-up period,the exploration period,the accumulation period and the growth period,the progressive realization of the rapid development of the business,Premium scale and comprehensive strength rankings steadily improved,profitability steadily increased,the social impact of the gradual expansion.Based on the research results and practical experience of domestic and foreign enterprises' business strategy,this paper analyzes the external and internal environment of Jiangxi China Post life Insurance Co.,Ltd.,and uses SWOT analysis to reveal the advantages and disadvantages of Jiangxi China Post life Insurance Co.,Ltd.The opportunities and challenges,and then put forward the Jiangxi China Post life Insurance Co.,Ltd.'s business strategy and the implementation of the safeguards.The main conclusions are:(1)With the sustained and healthy development of China's social economy,life insurance industry chain will be extended,closer to the public demand,from pure security products to the development of investment products,innovative insurance functions,flexible payment changes.Life insurance from the past simple financial management,pay more attention to the provision of quality of service,to provide the environment,to the customer choice of space and other requirements.(2)Since the establishment of China Post Insurance since the establishment of the value of growth-oriented development,through the start-up period,the exploration period,the accumulation period and the growth period,the progressive realization of the rapid development of the business,premium scale andcomprehensive strength rankings steadily,profitability Steady growth,social influence gradually expanded.In the new historical period,with the continuous development of the national economy,the continuous improvement of the disposable income of the residents,the strong support of the fiscal and taxation policies,the aging of the population and the gradual improvement of the social security system,the development trend of the life insurance industry and the enhancement of the residents' China Post insurers face great opportunities.At the same time in the face of life insurance business risk,product homogeneity and the threat of existing competitors,Jiangxi China Post life Insurance Co.,Ltd.is also facing challenges.(3)Jiangxi China Post life Insurance Co.,Ltd.relies on the advantages of brand reputation of postal enterprises,the advantages of serving the three rural areas,the advantages of plate linkage development,the advantages of channel resources,the advantages of financial services,the advantages of agent insurance experience,the advantages of customer resources and the advantages of information network,Efforts to build Jiangxi China Post life Insurance Co.,Ltd.'s core competitiveness.At the same time,Jiangxi China Post life Insurance Co.,Ltd.also has the disadvantages of lack of professional management personnel,few product types and unbalanced business structure,which restricts the development of Jiangxi China Post life Insurance Co.,Ltd.to a certain extent.(4)Jiangxi China Post life Insurance Co.,Ltd.'s business objectives are determined as follows: relying on the postal network and resources to "serve the grassroots,serve the three rural" as its mission,adhere to the principle of specialization and characteristics of the principle of small insurance as the starting point,To promote the balanced development of urban and rural insurance industry as the focus,to create a system of modernization,popular services,management standardization,government satisfaction,supervision and rest assured that the people welcome the new efficient commercial insurance companies.The choice of business model should be with the postal characteristics of the "self-regulation +" mode of development.Operating market positioning selection of insurance specialization,this market positioning is in different market segments choose to launch different for more suitable for the market life insurance products,products and channel strategy.At the same time through the improvement of linkage decision-making,professional guidance,business support services,rural insurance services and other mechanisms to protect the operation of Jiangxi China Post life Insurance Co.,Ltd.'s business strategy. |
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