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国有保险公司是在计划经济体制下形成的纵向垂直、按行政区域设立的机构。机构臃肿 ,人员冗多 ,人浮于事 ;政府集中管理 ,行政干预严重 ,政企不分 ,存在不少问题 ,严重制约了保险业务的发展。对此 ,应采取相应的对策 ,即改革体制 ,适应发展 ;精兵简政 ,减员增效 ;培养人才 ,启用人才 ;优化产品 ,推动畅销 ;业务涵盖 ,走向国际 ;培养中介 ,降低成本 ;运用科技 ,提高效益 ;集约经营 ,集中管理 ;诚信服务 ,吸引客户 ;严格制度 ,惩治腐败。
State-owned insurance companies are vertically vertical organizations established under the planned economy. Institutions bloated, redundant staff, people floating in the matter; the government centralized management, administrative intervention is serious, regardless of government and enterprises, there are many problems that seriously hampered the development of insurance business. In this regard, we should take the appropriate countermeasures, namely, reforming the system to adapt to the development; streamlining the government, downsizing and efficiency; cultivating talent, enabling talent; optimizing products, promoting best-selling; business coverage, to the international community; training intermediaries to reduce costs; Benefits; Intensive management, centralized management; Integrity services to attract customers; Strict system to punish corruption.