论文部分内容阅读
随着保险业的快速发展和增长方式的转变,急需探讨如何运用核心价值的方法来评价寿险公司的经营状况,从而全面反映我国保险业发展的实际状况。计算有效业务价值是核心价值评估工作的核心,一般包括以下五个步骤:保单分组;设定参数;对未来利润进行预测和贴现;变动分析;敏感性分析。我国寿险公司可以从以下几方面推动寿险业改革,即实现核心价值的显著提高,加强内部管理,降低经营费用;积极扩展业务,增加保费收入;提高员工素质,减少职工人数;压缩固定资产,控制盲目投资;调整产品和业务结构,降低利率风险;充分利用资金,减少利差损。
With the rapid development of the insurance industry and the change of growth mode, it is urgent to discuss how to use the core value method to evaluate the operating conditions of life insurance companies so as to fully reflect the actual situation of the insurance industry in our country. Calculating the effective business value is the core of the core value assessment work, which generally includes the following five steps: policy grouping; setting parameters; forecasting and discounting future profits; change analysis; sensitivity analysis. China’s life insurance companies can promote the reform of the life insurance industry from the following aspects: achieving significant improvement in core values, strengthening internal management and reducing operating expenses; actively expanding business and increasing premium income; improving the quality of employees and reducing the number of workers; compressing fixed assets and controlling Blind investment; adjust product and business structure, reduce interest rate risk; make full use of funds to reduce interest spread losses.