新设寿险公司经营中存在的问题与对策研究.pdfVIP

Abstract Abstract Based on the annual report of 35 life insurance companies in 2010 and 2011, take the new life insurance companies which were set up in or after 2004 as the object of our study, take the premium income net profit and solvency as the indicators, combining previous research results, this paper is to study the new life insurances companies’ operating condition. First of all, this paper points out the new life insurances companies’ operating condition including premium net profit and solvency in recent three years, and then analyses the premium growth and premium channel and net profit and solvency. After our study, we find that the new life insurance companies have a rapid business growth, the growth rate of premium income was up to 71% in 2010, and 11% in 2011, but the new life insurance companies’ net profit was not that good, only a few of which have a stable net profit, the solvency was quite adequate, but there are still some new life insurance companies can’t meet the request of the solvency ratio. According to the theory and empirical analysis of these three aspects, this paper points out that there are some problems in the process of operation, the new life insurance companies’ have a rapid premium growth but a single business channel, an adequate capital and solvency but a worrying profitability, a high investment gains but a low underwriting profit. And then this paper gives some suggestions to improve the management ability of the new life insurance companies. Developing new marketing methods, optimize the business channel, diversify the investmen