| 摘要: |
| 摘要：保险公司作为社会经济发展的稳定器，提高其数字化水平是我国经济高质量发展的关键。基于TOE理论框架探究我国保险公司数字化转型的影响因素，并结合NCA和fsQCA方法，对47家保险公司数字化转型组态路径进行实证分析。发现保险公司数字化转型是多因素协同作用、价值共创的产物；保险公司数字化水平具有多元化提升模式，存在“组织主导型”“技术－组织联动型”和“技术－组织－环境联动型”三条高数字化水平组态路径；而数字基础设施和市场竞争能力是保险公司提升数字化水平的关键前因条件。因此，政府部门和保险公司应共同努力，采取有效措施，持续推进保险公司的数字化转型。 |
| 关键词: 关键词：保险数字化；金融科技；组态路径；TOE框架；模糊集定性比较分析 |
| DOI： |
| 分类号:F840.4 |
| 基金项目: |
|
| Configurational Paths for Digital Transformation of Insurance Companies under the TOE Framework：An NCA and fsQCA Mixed-Methods Approach |
|
TANG Jin-cheng,ZHOU Si-ying
|
|
(China-ASEAN School of Economics,Guangxi University)
|
| Abstract: |
| Abstract：As a stabilizer for socio-economic development,enhancing the digitalization level of insurance companies is crucial for China’s high-quality economic development.Based on the TOE theoretical framework,this paper explores the influencing factors of digital transformation in Chinese insurance companies.Employing NCA and fsQCA methods,we conducted empirical analysis on configuration paths of digital transformation across 47 insurance companies.This paper presents three principal research findings.Firstly,digital transformation of insurance companies emerges as a product of multi-factor synergy and value co-creation.Secondly,there exist diversified enhancement patterns for insurers’ digitalization levels,specifically identifying three high-level configuration paths：“organization-dimension dominant type”,“technology-organization dual-dimensional synergy type” and “technology-organization-environment tri-dimensional synergy type”.Thirdy,digital infrastructure and market competitiveness constitute critical antecedent conditions for improving insurers’ digitalization.Therefore,both government authorities and insurance companies should collaborate through effective measures to continuously advance the digital transformation of the insurance sector. |
| Key words: Key words：Digitalization of Insurance；Financial Technology；Configuration Fath；TOE Framework；Fuzzy-set Qualitative Comparative Analysis |
