nlwxpearo
Joined: 13 Dec 2010
Posts: 520
Read: 0 topics
Warns: 0/5
Location: England
|
 Posted: Thu 12:10, 20 Jan 2011 Post subject: Profits of insurance and insurance capital of _43 |
|
|
Capital and profits of insurance of the insurance
Conditions, the companies invest the same amount of capital will be approximately the same profit. In fact, the business equivalent of capital gain that much in accordance with the principles of profit distribution of the material production sector workers to create the surplus value. That is, in the market (developed commodity economy) under the conditions of the insurance companies profits, but also the average profit. It with other non-material production sectors, like business itself does not create surplus value, but in the distribution of surplus value. Insurance Insurance prepaid average profit = average profit margin x total capital. (C) the substance of the insurance profits under capitalism, insurance profits actually is insurance that part of the capitalists involved in carving up the transformation of the form of surplus value. It reflects the D Group of Insurance capitalists together with other capitalists exploiting the relationship between the shoulder with the workers. Under socialist conditions, insurance profits are in the full attention of economic compensation insurance under the premise of equality and mutual assistance between people, it reflects a kind of mutual assistance and cooperation relations. In essence, insurance profit, which from the people, giving back to people, it is not,[link widoczny dla zalogowanych], it is impossible for the class or social group which exclusively, it is common for all the people serving the interests. Therefore, we should greatly improve the insurance cost. 44 Third, the insurance cost (a) the concept of the insurance cost and type of the insurance cost, is the economic activities in the insurance, the fruits of labor with the labor cost and the amount of funds used for comparison. It reflects the activities of the insurance business process, human and material resources, the use of financial and other effects. Insurance cost, including social and self-efficiency, which benefits the macro and micro efficiency. 1. Social benefits. Social benefits, that is, the macro benefits, is the insurance companies should give full play to the functions and role of insurance, due to natural disasters and accidents caused property damage and personal injury, and timely financial compensation or insurance payments, to ensure the smooth progress of social production the stability and people's lives. 2. Their effectiveness. Own benefit, that is, micro-efficiency refers to the insurance enterprises to actively carry out business activities, improve service quality, increase revenue,[link widoczny dla zalogowanych], reduce operating expenses, minimize costs, increase profits, companies and employees in the continuous improvement of material interests, and more provide construction funds for the state. (-) The meaning of insurance economic significance of insurance cost, can be investigated from two aspects. First, social aspects, one of their own. From the social point of view, to improve the insurance cost, we can provide more state taxes, increase state revenue; the same time, countries can also provide additional construction funds to ensure that key national construction projects the demand for capital. From their own point of view, increase the insurance cost,[link widoczny dla zalogowanych], one can accumulate more of the insurance fund to deal with losses caused by catastrophic; on the other hand can be used for investment or credit funds into the bank to further strengthen its strength and paying capacity, and promote their own business. Third, cost-effective way to improve the insurance business in the correct ideas, both social and personal benefits of insurance under the premise of the insurance cost increase, mainly in the following ways:. 1. The actual needs of the community, offering insurance business. This regard the introduction of new types of insurance to continue to expand the contracting surface; the other hand, to develop a reasonable premium rates,[link widoczny dla zalogowanych], improve service quality and attract more customers, thereby accumulating more insurance funds, enhance the ability of compensation and benefits. 2. Loss Prevention work to strengthen and reduce the loss of social wealth and personal injury. Insurance enterprises should and public security, traffic and fire departments, co-Loss Prevention work vigorously to enhance community disaster prevention and resilience. Reduce disasters, insurance companies can reduce the loss ratio and increase profitability. This can not only improve their own efficiency, but also can increase social benefits. 3. Strengthening economic accounting, improve management. This requires the joint efforts of enterprises full, we must first establish the concept of accounting and benefits; followed rules and regulations must be practical, systems, regulations and methods to do to ensure that; final run enterprises should adhere to the idea diligence and firmly oppose extravagance and waste, and other vices Sungongfeisi . 4. Strengthen the building and improve the quality of personnel. Active in this respect to professional training to enable existing staff to adapt to the insurance industry and the needs of the developing countries; on the other hand to expand the team,[link widoczny dla zalogowanych], on additional staff to conduct pre-service training, and gradually build a business to understand, administration, high quality, great insurance staff. 5. Deepen the reform, the development of the insurance industry to create a suitable internal and external environment, especially the external environment. This requires in-depth research and study security system, and its related, such as fiscal, monetary, tax and other reforms, the development of the insurance industry to create conditions and provide convenience. (Editor: Ma Jian) 45
The post has been approved 0 times
|
|
