Study On The Organizational Structure Of Property And Casualty Insurance Company

Since the1980s, the development of the chinese insurance industry has experienced three stages:exclusive monopoly, oligopoly and monopolistic competition. And during these stages, the premium volume grew rapidly, the insurance body continued increasing, and the market competition became more fierce. In this context, for the exist and the development of these new large and medium-sized insurance companies, we get more challenges, and we should focus on reorganizing the structures and recreating the models to realize the continuable development of these insurance companies.The design of organizational structure is an important issue in the management control of the insurance company, which determined the efficiency of the operation and management of the insurance company. For get rid of a variety of difficulties in the development, and promote the process of globalization, overseas financial enterprises learned lessons from years of operation, and adjust the organizational restructuring. In view of strategic development, some internal insurance companies completed a series of reforms, in order to promoting effectively and selling effectively, and manage and control operational risk, while controlling costs, resource integration, the ability to sustained profitability.Based on theory analysis, the paper analyse the financial industry at home and abroad, especially the organizational structure of insurance companies trends and the effectiveness of the construction and reform. In this paper, comprehend the principle, significance and impact factors of organizational structure construction correct, by the study of the theory of organizational structure.According sharing service theory, Ping An of China, for example, through peace operations centralized management model reform, the success stories of the backup center building analysis, fully demonstrated the pattern in the insurance industry scale operation process, reduce costs, control risks, improve the level of service excellence. The same time, based on the theory of marketing channel construction, through the Pacific marketing system reform process, to show readers the whole process of construction front sub-sales sales organization structure of this model to achieve a modern marketing concept of "customer-centric" practice. Sales and operations as two core content of the insurance company, its organizational structure construction, renovation will give the insurance enterprises play a decisive role.On the basis of the above theoretical study and analysis of benchmarking enterprises, we use diagnostic analysis in order to analyze organizational structure construction and reform of A insurance company. According to the market environment, operating situation, strategic planning, we make depth analysis of its organizational structure and give a praise to its centralized management at the present stage, sub-channel sales model. At the same time, we also pointed out problems and contradiction in the current organizational structure of A insurance company. We make a few suggestions about the reform of organizational structure: First, insurance company needs centralized operations, full authority and reduce the pressure of headquarters and improve institutional enthusiasm; Second, insurance company needs to realize the sub-channels of sales according to the stages of development and institution size. Third, improve the degree of interdepartmental cooperation through project group. Finally, promote the flat institutional management through the head office.The construction of organizational structure is not done easily, but it is a dynamic equilibrium. The problems and solutions existing in A insurance company have reference value to medium-sized and small insurance companies. And it is the important purpose of this study.