论文部分内容阅读
从国家信用关系来看,信用缺失与国家相关政策不适应保险业发展的客观需要有关。代理手续费标准偏高,影响着保险公司利益的增长。国家财政部规定从1999年1月开始将代理手续费标准由5％调高到8％,并按公司业务毛保费来提取,这已成为业内惯例,上调的3％手续费就意味着保险公司出现亏损局面。 国有企业和政府机构改革,也在某种程度上影响了保险市场的快速发展。目前,国有企业职工占城镇职工总数的60％,由于国有企业改革使下岗职工人数占其中30％左右,意味着一部分人连最基本的三种社会保险都无钱购买,更谈不上购买其他险种。由于政
From the perspective of the national credit relations, the lack of credit is related to the objective need of the relevant state policies not suited to the development of the insurance industry. Agency fees high, affecting the interests of insurance companies. It has become the industry practice that the Ministry of Finance set the agency fee standard to be raised from 5% to 8% from January 1999 onwards according to the company’s business gross premium. The 3% increase in commission means that the insurance company A loss situation. The reform of state-owned enterprises and government agencies also affected the rapid development of the insurance market to a certain extent. At present, the number of employees in state-owned enterprises accounts for 60% of the total number of urban workers. Since the number of laid-off workers accounts for about 30% of the total, the reform of state-owned enterprises means that some people even have the most basic three kinds of social insurance moneyless to buy, let alone purchase other Insurance. Due to politics