基于因子分析法的财产保险公司核心竞争力研究

Research on the Core Competitiveness of Property Insurance Companies Based on Factor Analysis

摘要: 财产保险行业面临增速放缓、内生动力不足的挑战，同时行业内高集中度、产品同质化以及发展不均衡等问题日益凸显，对企业发展提出了更高的要求。核心竞争力是财产保险公司在市场竞争中立于不败之地的关键，它不仅决定了企业在增速放缓和同质化挑战中的生存能力，更是推动创新、提高效率和实现可持续发展的重要驱动力。本文基于24家财产保险公司数据，运用因子分析法对样本数据进行处理与分析，提取关键因子，揭示影响企业核心竞争力的主要因素。随后计算各能力因子的得分及核心竞争力综合得分，进一步量化财产保险公司核心竞争力水平。最后通过聚类分析将财产保险公司进行分类，并针对不同类型保险公司提出针对性提升策略。

Abstract: The property insurance industry is facing challenges such as a slowdown in growth and insufficient internal motivation, while issues like high concentration within the industry, product homogeneity, and uneven development are becoming increasingly prominent, raising higher demands for corporate development. Core competitiveness is the key for property insurance companies to maintain an invincible position in market competition; it not only determines the survival capability of enterprises amid slowing growth and challenges of homogeneity but also serves as an important driving force for innovation, efficiency improvement, and sustainable development. This article processes and analyzes data from 24 property insurance companies using factor analysis to extract key factors and reveal the main elements affecting corporate core competitiveness. Subsequently, it calculates the scores of various capability factors and the comprehensive score of core competitiveness, further quantifying the competitiveness level of property insurance enterprises. Finally, through cluster analysis, it classifies property insurance companies and proposes targeted enhancement strategies for different types of insurance companies.