손해보험사의 상품 다각화와 해외진출

As competition intensifies in the domestic insurance market, non-life insurance companies are increasingly focusing on expanding into foreign markets. Entering overseas markets is seen as a key strategic decision that can have a positive impact on a company’s long-term growth and stability by offering opportunities to diversify insurance products, thereby mitigating risks and enhancing profitability. This study provides an in-depth analysis of how diversification of insurance products by domestic non-life insurance companies affects their financial stability, particularly in terms of the solvency ratio, a key indicator of financial soundness. Based on empirical data, the analysis reveals that product diversification has a favorable effect on strengthening the financial stability of insurance companies. Additionally, the study explores whether such diversification strategies can be successfully applied in overseas markets and predicts whether the international expansion of non-life insurance companies can amplify their domestic success on a global scale. Moreover, given that substantial capital investment is required for international expansion, the study further investigates the potential use of hybrid securities and their effects. By doing so, it aims to propose strategies that improve the efficiency of capital procurement and secure financial stability in global business operations.