margin for insurance 中文意思是什麼
margin for insurance
解釋
投保加成-
This policy shows two - side effect, on one side, it controlled the investment risk in a strict scale which at the same time on the other side set a overwhelming barrier for insurance companies to access to more sources of profit - earnings. actually, when we study the fact of insurance industries in western developed countries, it ’ s a common way to invest with insurance capital into capital market. the investment features can be described as large scale of investment amount, high profit margin and broad channel of investment
為了增強保險企業盈利能力，活躍、發展資本市場，促進金融體制改革， 2004年國務院發布了《關于推進資本市場改革開放和穩定發展的若干意見》 ， 2005中國保監會與中國證監會聯合下發《關于保險機構投資者股票投資交易有關問題的通知》等規范性文件，從而從政策和法規上許可我國的保險資金直接投資于資本市場，為我國保險資金的運用揭開新篇章。 -
From the company ’ s aspect, the products of insurance companies become more and more complex, especially in life insurance, while we are still placed in the low level of management, the investment channel is still narrow, the rate of return is low, and the quality of assets is not very good. from the regulator ’ s aspect, the solvency margin is the main tool of supervision. the indicator system is still not perfect, which can not be competent for the comprehensive and holistic forecasting task of insurance company ' s operation and financial status
從保險企業角度來看，目前我國保險企業仍處于較低水平的管理層次，而從我國保險公司資產和負債結構看，產品的創新已經使公司的產品結構十分復雜，特別是在壽險方面，隨著新型投資保單的陸續出臺，保險公司的產品和種類與國外發達國家已非常接近，但是從資產來看，投資資產種類過少，資金運用渠道相對狹窄，資金收益率低下，資產總體來說質量不高，資產的質量和數量遠低於負債的要求，存在很大的潛在風險。 -
However, with inflation and interest rates increasing, investment returns for insurance companies grew, and some scholars proposed that investment income should not be ignored in determining the profit margin. soon after, the view was quickly accepted in non - life insurance field. the article derived out a model, which included underwriting profit margin and investment rate of return
但隨著責任保險業務的不斷增長，通貨膨脹的提高以及利息率的增加，使得投資利潤占產險公司利潤總額的比重不斷增長，一些學者認為在確定定價利潤因子時不應忽略其投資性收益，這一觀點在非壽險領域很快獲得了一致的認同。
分享友人