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保险企业的利润主要来源于营业利润和资金运用收益两部分.随着国内保险市场竟争的加剧,总的趋势是保险费率下降,展业成本上升.虽然我们不愿意出现营业亏损再以资金运用收益弥补,但毕竟在利润总额中营业利润所占的比重会逐步下降,资金运用收益所占的比重会逐步上升.由于特大自然灾害的存在、国内保险市场分保机制不健全、国内业务不能完全向国际市场分保等原因,某一年度发生营业亏损似难以避免,但资金运用却应稳定地获得利润.因此,提高资金运用效益的意义将越来越重要.
The profits of insurance companies mainly come from operating profit and the proceeds of capital utilization.With the intensification of the domestic insurance market competition, the general trend is the decline in insurance rates, exhibition costs rise.Although we do not want to run losses and then the use of funds However, after all, the proportion of operating profit in the total profit will gradually decline, and the proportion of proceeds from capital utilization will gradually increase. Due to the natural disasters, the domestic insurance market is not perfect in the reinsurance system and the domestic business can not be completed Reinsurance to the international market and other reasons, a business loss may seem inevitable, but the use of funds should be stable and profitable. Therefore, the significance of improving the efficiency of the use of funds will become more and more important.