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本文选取世界上具有代表性的60多家保险公司为样本,对其财务数据进行了严密的实证分析。研究表明,成熟市场条件下,保险公司利润来源于投资业务。但我国保险公司在承保业务方面尚有巨大的发展空间。此外我国保险公司也存在着成本费用较高、投资收益率低以及偿付能力不足等问题。我国保险公司应从战略角度将承保业务作为公司利润主要路径,逐步扩大保险资金运用规模,使之成为我国保险公司利润的重要补充,并通过各种途径,提高保险公司的偿付能力。
This article selects over 60 representative insurance companies in the world as samples and conducts a rigorous empirical analysis of their financial data. Research shows that under the mature market conditions, the insurance company profits come from the investment business. However, China’s insurance companies still have huge room for development in underwriting business. In addition, China’s insurance companies also face the problems of high cost, low return on investment and insufficient solvency. China’s insurance companies should regard underwriting business as the main path of corporate profits from a strategic point of view, and gradually expand the scale of the use of insurance funds, making it an important complement to the profits of China’s insurance companies and improving the solvency of insurance companies through various channels.