商品经济的发展促使国际国内保险市场竞争愈来愈激烈,国内保险由过去人保“一统天下”的局面转变为多家办保险。在这样的环境下,作为目前国内机构最大、网点健全的人保公司如何迎接挑战、适应竞争呢?笔者认为,人保公司要适应新情况,需要通过全方位的改革与努力,其中保险资金的安全营运亦是很重要的一环。 从人保公司目前情况看,资金运用部门的主要业务是信贷业务。实现信贷资金良性循环,减少和避免风险,离不开法律的保驾护航。重视用法律保护自己的债 The development of the commodity economy has promoted the increasingly fierce competition in the international and domestic insurance markets. The domestic insurance has been transformed into a number of insurance policies by using the “unified world” policy of PICC. Under such circumstances, how can PICC, as the largest and most successful branch in the country, meet the challenge and adapt to the competition? In my opinion, PICC should adapt to the new situation through all-round reform and efforts, including the safe operation of insurance funds It is also a very important part. From the current situation of PICC, the main business of fund-raising department is credit business. To achieve a virtuous circle of credit funds, reduce and avoid risks, can not be separated from the law escort. Emphasis on legal protection of their own debt