社会主义市场经济的确立,深化保险体制改革,转换经营机制,提高经济效益已成必行之势。笔者认为单一以降低赔付率为手段不是积极之举,应引入合理的分保机制,稳定经营,从而每年能获得均衡的利润。 The establishment of a socialist market economy has deepened the reform of the insurance system, transformed the operating mechanism and raised economic efficiency. The author believes that a single method of reducing the rate of reimbursement is not a positive move, and should introduce a reasonable mechanism of reinsurance and stabilize its operations so that a balanced profit can be obtained each year.