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中国人寿绝大部分留存业务是分业经营以及在《保险法》颁布实施之前所承办的业务。这部分业务都是高预定利率业务,由于承保当时的管理意识比较淡薄,管理手段比较落后等原因,而且保险监管方面也比较薄弱,客观上造成留存业务管理基础较差、遗留问题较多,对公司的规范经营以及稳定健康发展造成一定的影响。为此,对中国人寿留存业务存在的风险进行准确识别,并认真研究及探索相应的解决对策,是当前以及今后很长一段时期内留存业务管理的重点。
Most of the retained businesses of China Life Insurance are carried out separately and before the promulgation and implementation of the Insurance Law. This part of the business is a high rate of interest rate business, due to the insurance management was relatively weak at that time, management is relatively backward and other reasons, but also the insurance regulatory is relatively weak, objectively caused the retention of business management based on poor, more leftovers, The company’s standardized operation and stable and healthy development have a certain impact. Therefore, the accurate identification of the risks existing in the life business of China Life and the careful study and exploration of corresponding solutions are the key points of the management of retained business for a long time now and in the future.