论文部分内容阅读
合理的业务结构对于提高公司的经营效益、规避经营风险、保持业务可持续发展至关重要。但在实际操作中却难于实施 ,主要原因是存在四大主要矛盾 :即经营理念的偏差与经营目的的矛盾 ;考核机制的纰漏与经营成果真实性要求的矛盾 ;内控把关不严与防范经营风险的矛盾 ;新险种开发滞后与业务发展的矛盾。险种结构调整难直接影响着公司经营效益的提高 ,保险公司要转变观念 ,端正思想 ,完善考核机制 ,强化核保功能 ,把握正确方式 ,调整与开发并重 ,才能不断实现险种结构优化升级。
A reasonable business structure is essential to improve the operating efficiency of the Company, avoid operational risks and maintain the sustainable development of the business. However, it is difficult to be implemented in practice. The main reason is that there are four major contradictions: the contradiction between the deviation of business philosophy and the purpose of business; the contradiction between the omission of assessment mechanism and the authenticity of business results; the strict control of internal control and the prevention of business risk The contradiction between the lagging development of new types of insurance and business development. Insurance structure adjustment is difficult to directly affect the company’s operating efficiency, insurance companies to change their concepts, correct thinking, improve the assessment mechanism, strengthen the nuclear security function, grasp the correct way, both adjustment and development in order to continue to optimize and upgrade the insurance structure.