1993年初,中国人民保险公司河南省分公司(以下简称“河南省分公司”)对家庭财产两全保险进行了大胆的改进,设计出《家庭财产储金还本分红保险办法》,并在一些市、地公司进行了试点,取得了较好的成效。但是,目前对于开展分红保险一些同志还存在着这样或那样的疑虑,下面笔者对分红保险提出几点看法,与同仁们探讨。 近年来,河南省保险业务有了很快的发展,但是,与全省其它几家金融机构相比,无论从资金规模、社会地位和机构设置上,都无法与之匹敌,就连成立较晚的交通银行在资金的规模也超过了保险公司,于是,一个 In early 1993, PICC Henan Branch (hereinafter referred to as “Henan Branch”) made bold improvements to the family property dual insurance and designed “Measures for the Insurance of Home-based Capital Savings Reimbursement”, and in some City, the company conducted a pilot and achieved good results. However, at present, some comrades who carry out dividend insurance still have some doubts about this. I will make some comments on dividend insurance and discuss with my colleagues. In recent years, the insurance business in Henan Province has witnessed a rapid development. However, compared with other financial institutions in the province, it can neither match the scale of funds, social status or institutional setup, nor even set up later Bank of Communications in the size of the funds also surpassed the insurance company, so, one