社会上许多人都认为保险公司很有钱,是一个赚钱的行当,大有油水可捞。事实是不是如此呢?门内与门外人的看法是大相径庭的。所以,怎样看待保险公司的“钱”,是一个急需要研究的理论与现实问题。 一、保险公司的“钱”是什么? 从国外的保险经营经验看,保险企业的利润是各项收入与各项支出之差额。收入减去支出所得的“钱”的数量大小,取决于收入与支出中各个组成因素的此消彼长。从表面上看,保险公司的“钱”是由保险资金构成,即开业资本金、保险企业向社会筹集的资本和保费收入三部分。客观地讲,保险资金的这三个组成部分中都含有“钱”的成分与因素。但是,如果我们透过现象看问题 Many people in the community think insurance companies are rich, is a lucrative business, a lot of oil and water can be fishing. The truth is not the case? Inside and outside the door is very different perspective. Therefore, how to treat the “money” of insurance companies is an urgent theoretical and practical issue to be studied. First, what are the “money” of insurance companies? From foreign insurance management experience, the profit of insurance companies is the difference between various incomes and various expenditures. The amount of “income” minus the “money” spent on spending depends on how the various components of income and expenditure are reversed. On the surface, the “money” of insurance companies is composed of insurance funds, namely, the capital for opening a business and the capital and premium income that insurance companies raise to the society. Objectively speaking, all three components of insurance funds contain “money” components and factors. However, if we look through the phenomenon of the problem