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保险,是否“保险”?通过审计,我们发现有的保险企业行为短期化、开支违纪违规、经营成本高、亏损大,使投保人面临投保风险,须引起有关部门的高度重视。一、经营成本高,给人寿保险带来了风险参与人寿保险,是保户对自身行为能力的一种有效防范,是投保人未来生存和发展的物资保证,也是对社会保险事业的信赖。然而,从现状来看,无不令人担忧。1997年.某人寿保险支公司以30%的比率,支付营销员佣金67.34万元,当年亏损118.84万元,累计亏损1291.74万元。这些高额支出、亏损,还有高于其他行业的工资福利待遇,只能由一个个保户来弥补,年复一年,寅吃卯粮,潜在风险大。此外,由于国家利率下调,保费收入被挪用等,使投保资金得不到增值。
After the audit, we found that some short-term insurance business behavior, non-compliance violations, high operating costs, large losses, the insured face the risk of insuring, should be caused by the relevant departments attach great importance. First, high operating costs bring risks to life insurance Participating in life insurance is an effective precautionary measure for the policyholders’ ability to act on their own and is a material guarantee for the survival and development of the insured in the future as well as a trust in the social insurance undertaking. However, from the current situation, all are worrying. 1997. A life insurance branch to pay a salesman commission of 673,400 yuan at a 30% rate, loss of 1,188,400 yuan, a total loss of 12,917,400 yuan. These high expenses, losses, as well as higher wages and benefits than those of other industries can only be offset by one policyholder. Year after year, they earn money because of potential risks. In addition, due to the national interest rate cut, premium income was misappropriated, etc., so that the insured funds are not added value.