摘要
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。
The article selects more than 60 companies' finance data to make a strict and empirical research. The study shows that insurance companies' profit relies on investment in the maturity market. But Chinese insurance industry still has a large growth potential for underwriting business. Further more, China's insurance companies also have problems such as high cost level, low investment yield and solvency ratio. Chinese insurers should perceive business underwriting as their major source of profit, and make investment an important complementary source of profit by expanding the size of insurance fund investment gradually. At the same time, they should further enhance their solvency ratio through various means.
出处
《保险研究》
CSSCI
北大核心
2007年第9期54-59,共6页
Insurance Studies
关键词
保险公司
利润路径
承保利润
投资利润
偿付能力
insurance companies
profit path
underwriting profit
investment profit
solvency margin