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如何加强财产保险承保、理赔的实务管理,提高经济效益,是摆在保险同仁面前的重要问题。下面笔者就实际工作中遇到的问题结合人保深圳分公司财产保险实践谈点拙见,供参考。 一、承保工作存在的主要问题 (一) “自杀式”费率的竞争。保险费率是按大数法则原理,根据市场风险概率而科学厘定的。在深圳保险市场日益竞争激烈的今天,不仅各家保险公司间,而且同公司不同办事处以及同办事处不同业务人员间,有时采取降低费率的方法争取业务(笔者曾见过0.6‰的费率,如此低的费率连香港同行也深感吃惊!),这种自杀式的相互拆台的做法既损害了保险公司在社会公众中的形象,又对保险企业的自身利益造
How to strengthen the property insurance underwriting, claims management and improve economic efficiency, is posing in front of the insurance colleagues an important issue. The following author on the actual work of the problems encountered in conjunction with PICC Shenzhen Branch of property insurance practice talk about my humble opinion, for reference. First, the main problems of underwriting (a) “suicide” rate competition. Premium rates are based on the principle of large numbers and are scientifically determined based on the market risk probability. In today’s increasingly competitive insurance market in Shenzhen, not only insurance companies, but also with different offices and offices with different business people, sometimes to reduce the rate of approach to gain business (I have seen 0.6 ‰ fee Rate, such a low rate of Hong Kong counterparts are also very surprised!), The suicide of the demolition of the Taiwan practice not only undermined the image of the insurance company in the public, but also for the self-interest of insurance companies made