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通过对我县保险公司某年度资产、负债、损益的真实、合法和效益情况进行审计,从帐面分析,该公司当年财险保费收入495.26万元,赔款支出374.14万元,赔付率达75%。若接应计原则,考虑未到期责任准备金及末决赔款支出的计提和结转,其赔付率高达82%。从审计了解的情况和我县实际分析,导致县保险公司赔付率高的原因。客观上讲,有以下几点:
Through the audit of the actual, legal and beneficial situation of the annual assets, liabilities and profit and loss of the insurance company in our county, from the book analysis, the insurance premium income of the company in that year was 4.9526 million yuan, the compensation expense was 3.7414 million yuan, and the payment rate was 75% . If the accruals principle, taking into account the unearned liability reserves and the final claim for compensation expenses carried forward, the loss rate as high as 82%. From the audit to understand the situation and the actual analysis of our county, leading to county insurance companies pay the reasons for the high rate. Objectively speaking, the following points: