摘 要
保险公司之间的竞争能力是指在同一市场环境下同欧亿·体育（中国）有限公司之间的竞争者实现其经营
目标的综合能力。保险公司的经营目标是指使参与保险经营的各方利益者(包括客户、
管理者、投资者和所有者)的利益得到最大的满足,并且为保险公司自身的生存和发
展创造安全、稳健和持续的价值。

、
中国人寿是一家经营人寿保险和财产保险的大型央企,经营效益常居国内寿险市
场首位,连续六年入选“世界品牌500强”。近年来,由于国外寿险公司参与国内市
场竞争,造成供大于求,保险市场存在需求不足的问题。随着中国保险市场的逐步开
放,外资保险公司的进驻,人寿保险公司之间的竞争日益加剧,中国人寿在发展过程
中面临严峻的挑战,尤其体现在经营管理、传统竞争模式、企业文化建设、人才流失
频繁等方面。中国人寿保险公司的发展面临巨大的挑战和机遇的同时,为巩固发展成
果,保持竞争优势,对中国人寿来说,找到正确的提升自身竞争力的方法最为重要。

本文对国内外寿险欧亿·体育（中国）有限公司发展现状进行了阐述,并将中国人寿与国内外寿险公司的
优势及不足进行了认真的比较分析。针对中国人寿在寿险市场竞争中应该注意的种种
问题进行了分析和研究,为中国人寿保险公司的稳定健康的发展提出自己的看法。

关键词:寿险;竞争力;挑战;策略

ABSTRACT

The competition between insurance companies is the comprehensive ability to achieve it

s business goals in the same market environment and the same industry. The business goal of

insurance company is satisfied with the maximum benefit of related party (customer,manag

ement personnel, investor and all person) and create safety, steady and continuous develop a

nd exist environment for company itself.

China Life Insurance is a large central enterprise which operates life insurance and prop

erty insurance, the operating efficiency has ascended the top spot is domestic life insurance

market and, selected as World Top 500 Brands for six consecutive years. In recent years, f

oreign life insurance companies start to participate in the competition in the domestic market

and it results in oversupply and ttie insufficient demand in insurance market. With the gradu

al opening up of the insurance market in China and foreign insurance companies stationing, t

he competition between the life insurance companies increased. China Life is facing tough c

hallenges in the development especial in the operation and management, the traditional mode

of competition, corporate culture construction drain frequent. The development of China's li

fe insurance companies faced enormous challenges and opportunities and meanwhile how to

consolidate the fruits of development and maintain a competitive advantage to find the corre

ct way to enhance their competitiveness is the most important

This article described the development status of tfie life insurance industry at home and

abroad, and carried out a careM comparative analysis of the strengths and weaknesses betwe

en China Life at home and abroad. Analysis and research the problem should be noted in ins

urance market competition analysis and present their views to ensure the stable and healthy d

evelopment of China Life Insurance Company.

Key words: life insurance; Competitiveness; Challenge; Strategy