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随着经济体制改革的进一步深入,保险业务也呈快速发展之势,保险公司之间的竞争也越来越激烈。为了追求保费收入快速增长,占有更多的市场份额,各保险公司采取多种优惠政策吸引客户,其中一项就是在企业资金紧张时,可先承担保险责任,而后再付款。这一做法使保费收入上去了,但应收保费的数额也随之增长,这就给保险公司的正常经营带来了沉重的包袱。近年来保险公司为解决这一问题,一方面严格控制应收保费的增长,另一方面加大对已形成的应收保费清收力度。在清收过程中,除现金以外,还收回了大量的实物资产。由于多方面的原因,保险公司对这部分
With the further deepening of the reform of the economic system, the insurance business also showed a rapid development trend, and the competition among insurance companies became more and more intense. In order to pursue the rapid growth of premium income and occupy more market share, various insurance companies adopt a variety of preferential policies to attract customers. One of them is to assume the insurance liability when the enterprise funds are tight, and then make payment. This practice has brought premium income up, but the amount of premiums receivable also increases, which brings a heavy burden to the normal operation of insurance companies. In recent years, insurance companies to solve this problem, on the one hand strictly control the growth of premiums receivable, on the other hand increase the already formed collection of premium receivables. In the process of collection, in addition to cash, but also recovered a large number of physical assets. For many reasons, insurance companies have this part