对于我国财产保险公司理财险业务经营策略探析

随着人们的生活水平的不断提高,人们开始注重理财险,所以财务保险公司的业务范围也开始不断的拓宽,人们越来越有钱,保险公司也开始扩大规模,众所周知理财险和其他的保险都不同,需要人们投不断投资才能够快速发展,在种种原因的促使下,保险公司外形更加重视,对时机的选择和制定缜密的产品策略,提高管理能力,是财产保险公司企业价值的根本保障。

我国财产保险公司理财险业务经营策略探析

近年来,理财险业务在财产保险公司取得了较好的发展,它促进了财产保险公司业务范围的扩大,资产规模的迅速增长;但由于理财险业务的主要功能是投资,与传统财产保险业务存在较大的区别,给财产保险公司的人员管理、资产负债管理、偿付能力管理带来了一些问题和变化,也增加了财产保险公司的经营风险。因此,财产保险公司在理财险业务的发展中,对外应关注公司内外部环境,选择合适的发展时机和产品策略;对内应提高自身的管理能力,规避理财险经营风险,做好资产负债管理,较好地发挥理财险产品的财务杠杆作用,促进财产保险公司企业价值的提高。

Discussion on the problems and countermeasures in the financial management of the small and micro-sized enterprises

The survival problems are always the core problems of the small and micro-sized enterprises in our country, and the financial management, as the important key factor influencing the small and micro-sized enterprises, has more and more impact on its survival and development. However, the important problem existing presently is that the significance of the financial management is mostly ignored in the small and micro-sized enterprises, pursuing the short-term economic benefit blindly, which decreases the risk resistance of the small and micro-sized enterprises severely, so that a mass of the small and micro-sized enterprises with poor survivability and extremely short life cycle are occurred. This text analyzes the problems existing in the financial management of the small and micro-sized enterprises around the above several prominent problems, and discusses the corresponding suggestions to promote the sound development of the small and micro-sized enterprises in our country.