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今年初,我国金融改革迈出了极其重要的一步,就是实行以市场供求为基础的、单一的、有管理的浮动汇率制度.两种汇率并轨,是我国进一步改革开放、建立社会主义市场经济的要求,也是我国经济与世界经济接轨的客观需要.同时,这一重大举措对促进我国保险业的改革、逐步统一目前国内外业务的两种货币、两种条款、两种费率创造了有利的外部环境.人民币汇率并轨后,对现行人保公司的经营体制产生了较大的影响.众所周知,中国人民保险公司从1980年起就将保险业务划分为国外业务和国内业务两个不同的部门,而外汇与人民币的区别及控制风险的管理要求是划分内外业的根本原因之一.它们之间的主要不同表现在:1、管理方式不同.外业将巨额外汇风险通过再保险部门向国际保险市场办理分保,当被保险标的发生损失时,可将大部分资金摊回.
Earlier this year, China’s financial reform took an extremely important step by implementing a single, managed floating exchange rate system based on market supply and demand. The merger of the two exchange rates is the result of China’s further reform and opening up and the establishment of a socialist market economy Requirements, but also the objective needs of our economy and the world economy at the same time, this major move to promote the reform of China’s insurance industry, and gradually unify the current domestic and international business of the two currencies, two terms and two rates to create a favorable External environment and renminbi exchange rates have a greater impact on the operating system of the existing PICC.As we all know, PICC divides the insurance business into two different divisions of foreign and domestic businesses since 1980 The difference between foreign exchange and RMB and the control requirement of risk control are one of the fundamental reasons for the division of domestic and foreign businesses.The main differences between them are as follows: 1. Different management methods: the foreign exchange handles the huge foreign exchange risk through the reinsurance department to the international insurance market Reinsurance, when the loss of the subject of the insured, most of the funds can be set aside.