论文部分内容阅读
追求利润是商业保险公司的主要经营目标之一,也是现代市场经济对商业保险公司的要求,商业保险公司实现利润的多少直接关系到自身的生存和发展,而利润在很大程度上有赖于营业保险费的制定。传统的制定寿险营业保险费的方法没能将营业保险费与保险公司的预期利润目标挂钩,一般也没有考虑到“解约”这一重要因素对制定营业保险费的影响。本文通过对寿险利润进行分析,提出一种根据预测利润目标制定寿险营业保险费的方法,供保险实务界人士决策参考。
The pursuit of profit is one of the main business objectives of commercial insurance companies, but also the requirements of modern market economy for commercial insurance companies. The profit of commercial insurance companies directly relates to their own survival and development, and profits depend largely on business Insurance premiums. The traditional method of setting life insurance premiums fails to link the operating insurance premiums with the insurance company’s expected profit targets and generally does not consider the impact of the important factor of “termination” on establishing business insurance premiums. Based on the analysis of life insurance profits, this paper puts forward a method of making premiums for life insurance business based on the forecast of profit targets, which can be used as a reference for insurance professionals.