Research On The Development Strategy Ofinclusive Financial Business In The Property Insurance Company

With the rapid development of our economy and the deepening reform of the industrial structure,as an important part of the financial system,the insurance industry is playing an increasingly important role in stabilizing economic development and providing strong protection for social reproduction.Since the reform and opening up,the income level of Chinese residents has been continuously improved,the concept and consciousness of insurance have been popularized rapidly,the market demand for insurance has become more and more vigorous.And the state has issued a series of policies to encourage financial innovation and has expanded the coverage of insurance capital utilization,which has brought a historic opportunity for the development of inclusive financial business of insurance companies.However,due to the weak foundation of China's insurance industry in terms of inclusive financial services and the rapidly changing market environment,there are still many challenges in this economic environment.It is an important problem that how to formulate the strategic development goal of inclusive financial business and how to cultivate the core competitiveness in the market competition according to the situation of insurance company and the external environment.This paper summarizes the related theories of strategic management and the core competence of enterprises,and systematically expounds the importance of strategic objectives to the development of enterprises.Moreover,this paper introduces in detail the specific situation of T Branch and its financial business development,and makes a systematic analysis of its internal advantages and opportunities by using SWOT analysis method.Using the PEST analysis method and the five-force model,it analyzes the external macro environment and the competition situation of the industry in the region,and clarifies the problems and development direction of the company in the process of development.In the aspects of product innovation,organization,human resource construction,corporate culture and so on,the author puts forward the implementation plan and safeguard measures,and makes use of the opportunity of the state to advocate the development of inclusive finance.Combining the development of the main insurance industry of the company with the development of the inclusive financial industry,the strategic goal of the rapid development of insurance and inclusive business can be achieved by making efficient use of the company's current advantage resources.Finally,this paper summarizes the conclusions of this paper and prospects for the future.