DSpace at VNU: Một số giải pháp nâng cao năng lực cạnh tranh của Tổng Công ty Cổ phần Bảo hiểm Bưu điện

Một số giải pháp nâng cao năng lực cạnh tranh
của Tổng Công ty Cổ phần Bảo hiểm Bưu điện
Hoàng Nguyên
Đại học Quốc gia Hà Nội
Chuyên ngành: Quản trị kinh doanh; Mã số: 60 34 05
Người hướng dẫn: TS. Nguyễn Thị Phi Nga
Năm bảo vệ: 2012

Abstract: Luận văn đã tổng kết được các vấn đề lý luận liên quan tới năng lực
cạnh tranh; đã phân tích được bức tranh khái quát thực trạng năng lực cạnh tranh
của Tổng Công ty Cổ phần Bảo hiểm Bưu điện và đề xuất được các giải pháp
nhằm nâng cao năng lực cạnh tranh cho Tổng Công ty.
Keywords: Năng lực cạnh tranh; Bảo hiểm phi nhân thọ; Quản trị kinh doanh;
Quản lý điều hành; Doanh Nghiệp

Content


TABLE OF CONTENTS
ACKNOWLEDGEMENT ............................................................................... i
ABSTRACT ..................................................................................................... ii
TÓM TẮT ....................................................................................................... iv
TABLE OF CONTENTS............................................................................... vi
LIST OF TABLES ......................................................................................... ix
LIST OF FIGURES ........................................................................................ x
LIST OF DIAGRAM ...................................................................................... x
INTRODUCTION ........................................................................................... 1
CHAPTER 1: BASIC ARGUMENTS ON COMPETITIVENESS IN
NON-LIFE INSURANCE BUSINESS .......................................................... 4
1.1 Concept and feature of insurance business activity................................ 4
1.1.1 Concept on insurance business activity ............................................ 4

1.1.2. Feature of insurance business activity ............................................. 5
1.2. Non-life insurance business activity ...................................................... 6
1.2.1 Concept on non-life insurance business ............................................ 6
1.2.2. Operation content of non-life insurance enterprise .......................... 6
1.2.3. Criteria for evaluating the product‟s competitiveness .................. 16
1.2.4 Necessity to improve competitiveness of product in international
economic integration condition ................................................................ 21
1.3. Overview of non-life insurance market in 2011 .................................. 23
1.4. Competitiveness of non-life insurance enterprise .............................. 24
1.4.1. Competitiveness and competitiveness forms ................................. 24
1.4.2. Competitiveness of non-life insurance enterprise ......................... 27
vi


1.4.3. Factors reflecting competitiveness of non-life insurance enterprise
.................................................................................................................. 31
1.4.4. Some factors affecting to competitiveness of non-life insurance
enterprise. ................................................................................................. 36
CHAPTER 2: REAL SITUATION OF COMPETITIVENESS

OF

POSTS & TEL. JOINT - STOCK INSURANCE COMPANY (PTI) ...... 38
2.1. Introduction about Posts & Tel. Joint - Stock Insurance Company (PTI). 38
2.1.1. Introduction about the Company.................................................... 38
2.1.2 Apparatus organization of PTI ........................................................ 41
2.2. Some features on competitiveness situation in non-life insurance
market in Vietnam at present. ..................................................................... 45
2.2.1. Number of insurance enterprises:................................................... 45
2.2.2. Market share of non-life insurance enterprises .............................. 48

2.2.3. Insurance products to be deployed ................................................. 50
2.2.4. Distribution system of non-life insurance enterprises ................... 51
2.2.5. Financial resources of enterprise .................................................... 51
2.3. Real situation on competitiveness of PTI ........................................... 54
2.3.1. Financial . ....................................................................................... 54
2.3.2. Product of PTI ................................................................................ 57
2.3.3. Distribution system ........................................................................ 62
2.3.4. Commercial partner ........................................................................ 65
2.3.5. Human resources ............................................................................ 65
2.3.6. Product price, assessment quality and compensation settlement ... 68
vii


2.4. Operation result, position of PTI in the market ................................... 69
2.4.1. Result .............................................................................................. 69
2.4.2. Market share of PTI over the years ................................................ 74
CHAPTER 3: SOME SOLUTIONS AIMED AT IMPROVING
COMPETITIVENESS

OF

PTI

NON-LIFE

INSURANCE

ENTERPRISE ............................................................................................... 78
3.1. Some recommendations for the State to improve the competitiveness
on non-life insurance enterprises. ............................................................... 78

3.2. Solutions for PTI insurance enterprise aimed at improving
competitiveness in the market .................................................................... 79
CONCLUSION ............................................................................................ 100
REFERENCES ............................................................................................ 101

viii


deploy many contracts in many different regions, and exploitation cost will be
saved. This issue has great significance for the business strategy of the
insurance enterprise, thus PTI needs attach more importance to this
distribution form.
The Company needs regularly open the training programs for agents and sales
staff so that they will operate professionally and have more responsibilities. At
the same times, it is necessary to construct the complementation and reward
regime to encourage the agent to work more effectively.
3.2.2.4. Promotion
Currently, PTI has not pay enough attention for promotion actitities, so that the
company‟s image and new products have not had a chance to approach the
customers nationwide. The company should consider those markeing
communications in order to develop a complete promotion campain.
Activities
Advertising

Solution

- Media

- Advertising on
Traffic Program

- Outdoor

VOV

- Place poster on the bus
and bus stop
Sales
promotion

- Discounts
- Loyalty incentives

- Discounts for customer
when they buy products
through NhomMua or
MuaChung
- Discounts for customers
who continously buy the
products for more than

90