一、有效的资金经营对业务发展的意义 经过十几年的经营,人保公司的寿险业务取得了长足的发展,随着市场经济体制的建立,面对新的市场形势,原有的寿险经营模式存在的问题日渐显露。长期以来,由于寿险经营不体现利润,也就不能通过利润形成发展基金,使业务的发展过分依赖费用,业务收入的费用承担了过多的职能,形成了有限的费用和过多的职能之间的矛盾,造成了费用紧张的状况,甚至挤占了 First, the significance of effective capital management for business development After more than 10 years of operation, PICC Life Insurance business has made considerable progress, with the establishment of a market economy, the face of new market conditions, the original life insurance business model Existing problems are increasingly revealed. For a long time, because life insurance does not reflect profits, it can not form a development fund through profits, making the development of the business excessively dependent on the expenses. The expenses of the business income bear too many functions and form the limited expenses and excessive functions The contradiction has caused the situation of cost tension and even squeezed out