摘要
随着我国金融市场的不断开放,风险层面的环境变化、宏观经济及制度环境的变化等都为财产保险的长远发展提供了充分的空间。目前财险行业已经实现承保盈利,但基础并不牢固,国内财险市场已经进入3到5年的硬周期阶段,各大保险公司为了实现企业的可持续发展,需要进一步强化集约化管理和新技术应用,提升成本管控能力,未来需要把成本管控放在相当重要的地位,更加关注综合成本率,控制和降低保险业务成本是保险公司提高核心竞争能力最重要的途径。
Along with the continuous opening of the financial market in our country, the environmental change in risk level and the change of macro economy and institutional environment etc. provide ample space for the long-term development of property insurance. At present, the property insurance industry has achieved underwriting profit, but the foundation is not strong. The domestic property insurance industry has entered into a hard period of 3 to 5 years, in order to realize sustainable development, each insurance company needs to further strengthen intensive manage- ment and application of new technology and to improve cost control capability;in the future, they need to place more emphases on cost control and pay more attention to combined ratio. The most important way to improve core compe- tence of an insurance company is controlling and reducing a^encv costs of in^llrznpo
出处
《保险研究》
CSSCI
北大核心
2012年第4期86-92,共7页
Insurance Studies
基金
2011年中国保险学会课题的阶段性成果
课题编号CKT2011-32
关键词
财产保险
综合成本率
property insurance
combined ratio
