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随着目前我省的保险业务发展,在业务管理上存在的问题也日益明显地显示出来了。最突出的问题是企财险赔付率偏高,经济效益不理想,主要是我省近几年来企财险重业务、轻管理;重保费、轻理赔;重展业、轻防灾;重费用、轻利润。例如,我省前三年的企财险赔付显示情况:1992年全省企财险赔案件数为2774件,较上年同期上升45.16个百分点,赔款金额为53834千元,较上年同期上升169.82个百分点,年赔付率是55.55％;1993年全省企财险赔案件数为2668件,较上年同期下降3.82个百分点,赔款金额为38904千元,较上年同期下降27.73个百分点,赔付率为37.40％1994年全省企财险赔案件数为2578件,较上年同期下降3.37个百分点,赔款金额为49400千元,较上年同期上升26.98个百分点.赔付率为47.04％。以上情况反映出我省企财险业务近三年来赔付率略为偏高,最低在37.4％,最高达到了55.55％,是历年来少见的。另外,就近三年按上报省保险公司企财险赔案标准,每次超过五十万元以上的赔案中,1992年共计10件,实赔偿金额为10165千元,件平均赔偿金额为1016千元;1993年共计2件,实赔偿金额为2051千元,件平均赔偿金额为1025千元;1994年共计2件,实赔偿金额为8735千元,件平均赔偿金额为4368千元,从以上情况看出每件平均赔偿金额是一年比一年增多。
With the development of the insurance business in our province at present, the problems existing in business management are also increasingly obvious. The most prominent problem is the high pay-off rate of enterprise insurance, economic benefits are not ideal, mainly in our province in recent years, corporate finance heavy business, light management; re-premium, light claims; heavy industry, disaster prevention; heavy costs, Light profit. For example, in the first three years of our province, the compensation for the expropriation of enterprises shows that: in 1992, the number of enterprises in the province was 2,774, an increase of 45.16 percentage points over the same period of the previous year with compensation amount of 53834 thousand yuan, up from the same period of last year 169.82 percentage points, the annual payment rate is 55.55%. In 1993, the number of property insurance claims in the province was 2,668, down 3.82 percentage points over the same period of the previous year with an indemnity amount of 38,904,000 yuan, down 27.73 percentage points from the same period of last year, The rate of payout was 37.40% The number of property insurance claims in the province in 1994 was 2,578, a decrease of 3.37 percentage points over the same period of last year with a claim amount of 49.44 million yuan, up 26.98 percentage points over the same period of last year. The above situation reflects the province’s property insurance business in the past three years, the claims rate slightly higher, the lowest at 37.4%, the highest reached 55.55% over the years is rare. In addition, in the recent three years, according to the standard reported to the provincial insurance company’s property insurance claims, each more than 500,000 yuan in compensation, a total of 10 in 1992, the actual amount of compensation for the 10,165,000 yuan, the average amount of compensation for the 1016 A total of 2 in 1993, the actual amount of compensation for the 2051 thousand yuan, the average amount of compensation for 1025 thousand yuan; 1994 a total of 2 cases, the actual amount of compensation is 8735 thousand yuan, the average amount of compensation is 4368 thousand yuan, from The above shows that the average amount of compensation for each one is more than a year.