保险公司成本费用“粘性”分析

Analysis on the "Agglutinant" of Insurance Corporation Expense

保险公司不具有成本费用"粘性"特征,而是随着保费收入增加,成本费用增加;随着保费收入减少,成本费用也增加的结论。形成这种特性的原因,除了经营理念的偏差外,还受保险市场发展初期的固有特征影响。要消除这种现象,必须推动保险市场的建设,走集约化发展道路。

Despite no ＂agglutinant＂ features of costs and expenses in the insurance company, the more insurance charges, the more costs and expenses ; while the less insurance charges, the more costs and expenses. It is affected not only by offsets of operation ideas but also by preliminary inherent features of insurance markets. To eliminate this phenomenon, some measures must be taken to promote the construction of insurance markets and break developing paths of intension.