近几年来,人保公司在中央“要抓住有利时机,加快发展”的战略指引下,业务收入增长较快,资金运用的规模有所扩大,企业实力也有所增强,对国家和社会作出了一定的贡献。 但是,在加快业务发展速度的同时,也出现了一些新情况、新问题。其主要表现在,赔付率居高不下,费用成本开支加大,资金运用回报率低,跨年未决赔款包袱沉重,反映在企业利润上很不稳定,且呈严重下降趋势。 据我们对广东、四川、江西三省的调查,1993年的保费收入(含财产险、农业险和短期人身险) In recent years, under the guidance of the Central Government’s strategy of “seizing favorable opportunities and accelerating development”, PICC has enjoyed a rapid growth in business income, an expansion of the scale of capital utilization, and an increase in the strength of enterprises, making sure that the state and the society have made certain Contributions. However, while accelerating the pace of business development, new situations and new problems have also emerged. The main manifestation of the loss ratio is high, costs and expenses increase, the utilization rate of funds is low, heavy indemnities New Year’s heavy burden, reflected in the corporate profits is very unstable, and a serious downward trend. According to our survey of three provinces in Guangdong, Sichuan and Jiangxi provinces, the premium income in 1993 (including property insurance, agricultural insurance and short-term personal insurance)