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近些年来,我国中小产险公司虽然发展很快,但是仍然面临着诸多困难。本文从市场份额、盈利能力、偿付能力和经营稳健性几个方面分析了我国中小产险公司的发展状况,并探讨了掣肘其发展的因素。笔者认为,中小产险公司要真正壮大,在发展模式上可以根据自身的情况采取专业化、建立战略联盟、引进战略投资者和并购等战略。
In recent years, although China’s small and medium-sized property insurance companies have developed rapidly, they still face many difficulties. This article analyzes the development of China’s small and medium-sized property companies from several aspects of market share, profitability, solvency and operational robustness, and discusses the factors that restrict its development. The author believes that small and medium-sized property insurance companies to truly grow in the development model can be based on their own situation to take specialization, the establishment of strategic alliances, the introduction of strategic investors and mergers and acquisitions strategy.