论文部分内容阅读
在市场经济条件下,保险企业必须走综合性、多元化经营之路,充分发挥特有的资金优势,注重资金的合理运用,靠保险收入升值赢得效益。 一、保险资金运用的现状 1.内部无规拆借。拆借者认为,钱反正是系统内部的,只怕借不到。故有借无还,长期占用,既不还本,又不付息,变成了一笔呆帐,且数额不小。长此下去,就形成系统内部的“三角债”。这是一种“自杀”现象。 2.办“三产”一哄而起。在一个时期内,一些保险公司为了使自己办的企业增加收入,给职工谋福利,就一哄而起地自办了一批“经济实体”,一般都借用了
Under the conditions of a market economy, insurance companies must take a comprehensive and diversified approach, give full play to their unique financial advantages, pay attention to the rational use of funds, and win benefits through the appreciation of insurance revenues. First, the status of the use of insurance funds 1. Internal random borrowing. The borrowers believe that money is the system’s internal anyway, I’m afraid not to borrow. Therefore, borrow no longer, long-term occupation, neither the principal nor interest, into a bad debts, and the amount is not small. If things go on like this, they will form the “triangular debt” within the system. This is a “suicide” phenomenon. 2. Do “three products” rushed to the ground. In a period of time, some insurance companies, in order to increase revenue for their own enterprises and seek welfare for their workers, have been rushing to run a number of “economic entities” and have generally borrowed