国内保险公司 ,特别是国有独资保险公司机构庞大、人员及网点众多 ,但由于信息技术落后 ,资金分散 ,管理不力 ,不能形成网络上的优势和核心竞争力。如果建立起适合保险业的、科学的信息、资金和单证管理系统 ,并以财务管理为纽带将三者有机结合起来 ,必将大大提高保险公司的管理效率和效益。 Domestic insurance companies, especially the wholly state-owned insurance companies, have a large number of institutions and numerous personnel and outlets. However, due to the backward information technology, scattered funds and poor management, the domestic insurance companies can not form the advantages on the network and their core competitiveness. If the establishment of a suitable insurance industry, scientific information, capital and document management system, and financial management as a link to the three organic combination, will greatly enhance the management efficiency and efficiency of insurance companies.