据有关资料显示,近几年来,全国人保系统的分支机构有相当一部分自身效益不够理想,有的是明盈实亏,挂赔过多,有的帐上出现赤字。极个别机构甚至还出现了无钱支付赔款,保户不愿在当地公司投保的现象。造成这种现状的原因固然是多方面的,但最根本的问题还是偿付能力问题。偿付能力是指保险公司赔偿或给付的能力。一个保险公司的偿付能力如何,直接关系到被保险人的切身利益,也关系到保险 According to relevant statistics, in recent years, a considerable part of the PICC affiliates have not achieved satisfactory results in their own part. Some have actually lost profits and losses, many have hung their claims, and some have made deficits in their accounts. Very few institutions even appeared there is no money to pay indemnities, policyholders are reluctant to insure the phenomenon of the local company. Although the reasons for this situation are many, the most fundamental issue is the solvency issue. Solvency refers to the ability of insurance companies to pay or pay. The solvency of an insurance company, is directly related to the immediate interests of the insured, but also related to insurance