摘要：我国保险公司从传统经营管理向现代保险公司经营管理转型中，需要建立自己的核心竞争力。本文从核心竞争力的概念入手，将保险公司核心竞争力构成要素界定为六个方面的能力，即风险管理能力、企业营销能力、保险设计及险种研发能力、创新能力、组织学习能力、企业战略管理与企业文化。在分析我国保险公司现状竞争力的基础上，指出保险公司在业务规模、市场结构、业务结构、市场销售、诚信服务等方面存在的许多问题，针对保险公司国际、国内竞争激烈的市场环境，结合核心竞争力构成要素和保险公司现状弊端，围绕企业生存和发展主线，本着以人为本、以市场为导向，以效益为目标，加上以科技为依托和创新为动力的理念，探讨了培育保险公司核心竞争力和提升保险公司竞争优势的途径。

关键词：保险公司 要素 能力 竞争力 核心竞争力

Abstract:  The insurance companies of China need to build their own core competitiveness in the transition from the traditional management to the modern company management. The article begins with the concept of core competitiveness, the elements of which are defined as the capacity of six aspects, namely the risk management capability, marketing capability, insurance design and insurance R & D capability, innovation capability, organizational learning capability, enterprise strategy management and enterprise culture. Based on analyzing the competitiveness of China's insurance companies, many of the problems that exist in the insurance company business scale, market structure, business structure, market sales, good faith service and other aspects of the insurance companies are pointed out. According to the international, domestic competitive market environment, combined with the core elements of competitiveness, the current situation and the drawback of the insurance companies, around the enterprise survival and the main line of development, people-oriented, take the market as the guidance, taking the benefit as the goal, with technology as the conception and innovation as the driving force, the ways to cultivate the core competitiveness of insurance companies and promote the competitive advantage in insurance companies are discussed. 

Key words: insurance enterprise   element   capacity competitiveness     core competitiveness