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在入世后的过渡期内 ,中资保险公司具有外资保险公司所不具备的业务及地域范围的相对优势 ,天然的本土文化优势和后发优势使得中资保险公司在一定的时期内 ,仍具有相对的竞争优势。当然 ,从长远来看 ,与外资保险公司相比 ,中资保险公司的竞争力存在着绝对的差距 ,这种差距集中表现在盈利能力、市场集中度、偿付能力和信用级别等关键性的竞争力指标上。在中国保险市场国际性竞争即将全面展开的形势下 ,政府及监管部门应该在遵循WTO基本原则、履行相关承诺的基础上 ,调整保险产业政策以改善保险业竞争环境 ;此外 ,中资保险公司应积极优化运行体制 ,改进人力资源管理制度 ,创新保险产品、营销方式和保险服务 ,全方位地提升公司的竞争力。
During the transitional period after China’s accession to the WTO, Chinese-funded insurance companies have the comparative advantages of business and geographical scope that foreign-funded insurance companies do not possess. The natural local cultural advantages and late-developing advantages make Chinese-funded insurance companies still have a certain period of time Relative competitive advantage. Of course, in the long run, there is an absolute gap in the competitiveness of Chinese insurers over foreign insurers, which are concentrated in key competitions such as profitability, market concentration, solvency and creditworthiness Force indicators. Under the circumstance that the international competition in China’s insurance market is about to start in full swing, the government and regulatory authorities should adjust insurance industry policies to improve the competitive environment of the insurance industry by following the basic principles of WTO and fulfilling relevant commitments. In addition, Chinese insurance companies should Actively optimize the operating system, improve human resources management system, innovation insurance products, marketing methods and insurance services, all-round to enhance the competitiveness of the company.