Research And Implementation Of Insurance Company Innovation Ability Evaluation System In China

As the rapid development of China's economic, residents'insurance awareness and widely opening to international markets, information technology and computer application, China's insurance market environment competition marked improvement. Since the 80s of the 20th century, the international insurance industry have great innovation and development of insurance products under the context of global economic integration, insurance marketing under conditions of financial liberalization, and insurance services in the push of information technology revolution. While the late development of the domestic insurance industry, the insurance company's innovation capability is low, and with the short of the adequate,continuous industry data and mature theory and experience, but also the experience is less. For most insurance companies in China, it is still on the exploring stage, and learns from mature model abroad. This paper research the underlying factors that influence insurance companies'innovation ability from the inside source, combined with the development of China's insurance status, establish a evaluation system for the insurance companies from the micro-level, and try to analysis the reasons for innovation from the original factor, which have some significance and be useful to improve the domestic insurance company's innovation ability.Firstly, this paper makes a research of a large number of domestic and foreign theories about innovation, innovation ability and insurance companies'innovation ability, and concluded innovation evaluation methods and related research. Secondly, describes the development of China's insurance industry and insurance companies'innovation status, and found the problems in the insurance companies'innovation aspect; then, on the basis of analyzing the innovation elements, research the underlying factors affecting insurance companies'innovation ability from internal sources, according to the nature and characteristics of insurance companies. Combining qualitative and quantitative indicators, and builds an evaluation system structure for insurance companies'innovation ability after identifying of evaluation indicators using information entropy theory. Next makes an empirical research of pre-established evaluation system applying factor analysis on the basis of data collection through questionnaire, and get evaluation index weights according to the result of factor analysis, also the comprehensive evaluation system model of insurance company's innovation ability. Then, makes a comprehensive evaluation and measurement of a domestic insurance company representative as a case, according to the innovative ability evaluation system, using the principle of membership and fuzzy comprehensive evaluation method, under the support of information through internal investigation and questionnaire, gets the result of two comprehensive analysis of its innovation ability, and give recommendations for how to improve insurance companies'innovation ability at last. Finally come to the conclusions about the insurance company's innovation ability evaluation system.