| 陕西农村寿险市场发展的新路径 |
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| 引用本文： | 贺宁毅,田富强. 陕西农村寿险市场发展的新路径[J]. 长安大学学报(社会科学版), 2008, 10(1): 82-87 |
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| 作者姓名： | 贺宁毅 田富强 |
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| 作者单位： | 西北农林科技大学,经济管理学院,陕西,杨凌,712100 |
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| 摘 要： | 以产业组织理论中的SCP分析框架为基础,对陕西农村寿险市场的结构、行为和绩效进行分析。分析认为：陕西农村寿险市场发展不均衡、区域发展不均衡、标准化管理程度低、寿险产品和营销渠道单一。在此基础上借鉴农村寿险市场实践中发展的新经验,提出陕西农村寿险市场持续、快速、健康发展的新路径：探索组建“保险村”、产品量身定做、销售与服务“进村入户”、政府引导下的公司创新。
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| 关 键 词： | 社会保障 农村寿险 SCP分析框架 市场结构 |
| 文章编号： | 1671-6248(2008)01-0082-06 |
| 修稿时间： | 2007-11-28 |
New path of Shaanxi rural life-insurance market development |
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| HE Ning-yi,TIAN Fu-qiang. New path of Shaanxi rural life-insurance market development[J]. Journal of Chang'an University(Social Sciences Edition), 2008, 10(1): 82-87 |
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| Authors: | HE Ning-yi TIAN Fu-qiang |
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| Affiliation: | (School of Economics and Management, Northwest A＆F University, Yangling 712100, Shaanxi, China) |
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| Abstract: | This paper analyzes the structure, conduct and performance of Shaanxi rural life-insurance market, based on the SCP（ Structure-Conduct-Performance ） analytical frame in the industrial organization theory. The authors come to the conclusion that under the market structure of high concentration of market, low differentiation of products, moderate barrier to entry, Shaanxi rural life-insurance market got disparate development, low degree of management of standardization and simplex products ＆ channels. ernment orientate insurance companies towards innovation, which may lead to the sustained, rapid and sound development of Shaanxi rural life-insurance market. |
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| Keywords: | social insurance rural life-insurance SCP analytical frame market structure |
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