摘要：保险业的竞争日益激烈，保险企业间的收购、兼并、合并将不可避免。保险企业想要继续健康持续发展，必须建立自己的核心竞争力。笔者认为，核心竞争力是存在于企业内部的、能提供具有特异性或成本优势的关键性产品或服务的能力，或者能为企业带来持续竞争优势的能力组合；核心竞争力具有独特性、价值性和动态性的特征。本文利用SWOT分析法分别从四个角度，即优势(strength)、劣势(weakness)、机会(opportunity)和威胁(threat)这四个方面分析我国保险企业的核心竞争力，并为我国的保险企业的提升提供合理的策略。

关键词：保险企业 核心竞争力 SWOT 分析

Abstract: The insurance industry competition is becoming increasingly fierce，The diversity marker promotes the emerging and buyout. Insurance enterprises want to maintain a sustained and healthy development，must be to build its own core competitiveness. Core competence is a combination of capabilities，which exists within an enterprise and can help to provide exclusive products and services at low cost. There are three characteristics with core competence， such as uniqueness value and dynamism This paper has a systematic analysis of the strength and weakness， opportunities and threats of Insurance Company Core Competence by applying SWOT method to strategy making. In addition，it offers proper strategies for the development of Chinese insurance enterprises.

Key words: insurance enterprises; Core Competitiveness; SWOT; analysis

本文立足我国保险行业，对其核心竞争力进行研究，力图找出与外资保险公司的差距和不足。明确我国保险公司在当前以及未来的保险市场中处所的地位和面临的威胁，结合我国保险公司的现有优势，以发挥长处、弥补缺陷为目标，提出我国保险业核心竞争力的培育策略，为我国保险公司的持续发展提供一点意见。