竞争市场中耐久性的基础再造:以印度人寿保险公司为例

U. N. Shukla
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引用次数: 1

摘要

印度人寿保险业经历了垄断时期,直到2001年,一家国有公司印度人寿保险公司(LIC)是印度市场上唯一的参与者。2000年保险业私有化后,情况突然发生了变化,外国参与者被允许通过与印度公司合资的方式进入印度。这是竞争市场中的一个主要问题,面对拥有全球专业知识和现代技术的公司所带来的挑战,因为LIC是一家传统的印度公司,几十年来一直享有非竞争性和受保护的市场。因此,开放后的LIC市场份额在接下来的几年里大幅下降。为了应对这些严峻的挑战,需要对该系统进行全面改革。对整个系统进行基本的重新设计,是解决这个问题、提高保险渗透率并保持市场领先地位的唯一补救办法。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Fundamental reengineering for endurance in competitive market: a case study of life insurance corporation of India
The Indian life insurance industry witnessed a monopoly period till the year 2001 when a state owned company, Life Insurance Corporation of India (LIC), was the only player in the Indian market. Scenario got changed all of a sudden in the year 2000 after the privatisation of the insurance sector when foreign players were allowed to enter through joint ventures with Indian companies. This came as a major issue in competitive market in front of LIC to face the challenges given by the companies equipped with global expertise and modern technology as LIC had been a traditional Indian company enjoying a non-competitive, protected market since decades. Consequently, post liberalisation market share of LIC got significantly declined in the next couple of years. A complete overhauling of the system was required to meet the hard-hitting challenges. Rudimentary re-engineering of the entire system was the only remedy to crack the issue to increase insurance penetration and to remain as a market leader.
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