郑州交通职业学院

毕 业 论 文

论文题目：如何改善我国保险监管的不足

所属系别： 经济管理系 专业班级： 10级保险实务1班 姓 名： 孙志成 学 号： 201008050630001 指导老师：

撰写日期 2013 年 4 月

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摘 要

中国的保险业是正处于高速发展的朝阳产业。中国用十年的时间完成了西方保险产品150年的发展历程，但与之极不相称的却是中国保险企业人才短缺、人力资源管理水平不高的现状。人才是企业的核心竞争力，是企业乃至行业发展的源动力。保险业人才发展的巨大瓶颈是目前中国保险企业发展的最大困境。本文基于我国保险业人才需求的分析，力于解决怎样应对保险市场的人才竞争，解决保险业人才需求矛盾，如何采取相应的对策和措施，让我国的保险行业真正能蓬勃健康地发展。

关键词：保险人才，竞争力，发展瓶颈

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Abstract

China’s insurance industry is now in rapid developing. China spend ten years to complete the western insurance course of 150 years . But its incongruence fact is Chinese insurance enterprise talent shortage, the low level of human resources management. Talent is the core competitiveness of enterprises and the source for the development. Insurance industry talent development bottleneck is the great dilemma of China's insurance enterprise.This writing based on China's insurance industry talent demand analysis, in order to solve how to deal with insurance market competition, solve the insurance industry talent demand contradiction, how to adopt the corresponding countermeasure and measure, and how to make our country’s insurance industry develop better and healthier..

Key word: insurance talent,competitive power, development bottleneck

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目 录

1 引言............................................................................................................................ 1 2 保险人才在保险业发展中的重要作用 ................................................................... 1

2.1保险专业人才是确保保险业健康有序发展的关键因素.............................. 1 2.2保险专业人才是开拓保险市场的基本保证.................................................. 1 2.3保险专业人才是降低保险企业经营风险、实现保险商品效用和提高保险产品核心竞争力的重要保障................................................................................. 2 3 我国保险业的发展现状 ........................................................................................... 2 4 我国目前保险行业的人才现状 ............................................................................... 3

4.1人才数量的匾乏且人才总体质量的不高...................................................... 3 4.2人力成本增加.................................................................................................. 4 4.3高端人才严重缺乏.......................................................................................... 5 4.4“挖角现象”严重........................................................................................... 5 5 保险业对人才巨大的潜在需求 ............................................................................... 5 6 保险人才供不应求，对于这种矛盾，我们可以对保险行业从业人员供需失衡进行分析。.................................................................................................................... 6

6.1中国保险业的全新形势对保险人才提出了新的要求.................................. 6 6.2保险人才的正常流动受到限制...................................................................... 7 6.3营销人员社会地位低下.................................................................................. 7 6.4我国保险业人才流失严重.............................................................................. 7 7 发展保险人才的对策研究 ....................................................................................... 7

7.1充分发挥高等院校在保险人才培养中的主导地位...................................... 7 7.2发挥保险公司在培养保险实践人才的重要作用.......................................... 8 7.3重视保险行业协会在培养保险人才的作用.................................................. 8 7.4重视保险监管部门和教育部门在培养保险人才的作用.............................. 8 8 总结.......................................................................................................................... 10 参考文献...................................................................................................................... 11

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