从竞争优势的角度审视,在与外资保险企业竞争的过程中,中资保险企业并非一无是处。在保险企业分支机构数量、营业网点的密集度、对中国市场的熟悉程度和传统客户等方面,中资保险企业都具备一定的竞争优势。和外资保险企业相比,中资企业突出劣势表现在两个方面:一是企业的经营理念方面的差距。经营理念的落后直接导致了保险企业内部、外部管理的低效率,制约了企业的创新活力;二是企业技术方面的差距,技术的落后是保险企业产品、业务创新的一大障碍,而后者在激烈的保险业竞争中往往是市场占有率的决 From the perspective of competitive advantage, Chinese insurance companies are not without merit in the competition with foreign-funded insurance companies. In terms of the number of branches of insurance companies, the density of business outlets, their familiarity with the Chinese market and traditional customers, all Chinese-funded insurance companies have certain competitive advantages. Compared with foreign-funded insurance companies, Chinese-funded enterprises have outstanding advantages in two aspects: First, the gap in business philosophy. The backwardness of business philosophy has directly led to the inefficiency of the internal and external management of insurance companies, which has restricted the innovation vitality of enterprises. The second is the technological gap and the backward technology of the insurance industry, which is a major obstacle to innovation in the products and business of insurance enterprises. Fierce competition in the insurance industry is often the market share of the vote