本文選題：互聯(lián)網(wǎng)保險(xiǎn) + 財(cái)務(wù)特征��； 參考：《財(cái)經(jīng)理論與實(shí)踐》2017年06期

【摘要】：互聯(lián)網(wǎng)保險(xiǎn)特殊經(jīng)營(yíng)模式使保險(xiǎn)公司呈現(xiàn)固定資產(chǎn)占比較小、資產(chǎn)負(fù)債率較低、保險(xiǎn)產(chǎn)品"場(chǎng)景化、碎片化"、渠道成本低廉等財(cái)務(wù)特征,也使保險(xiǎn)公司面臨更為錯(cuò)綜復(fù)雜的財(cái)務(wù)風(fēng)險(xiǎn),如對(duì)股東的權(quán)益性資金依賴性較強(qiáng)、定價(jià)風(fēng)險(xiǎn)加大、盈利空間不定以及騙賠套保和洗錢(qián)風(fēng)險(xiǎn)等。鑒此,應(yīng)拓寬籌資渠道,優(yōu)化保險(xiǎn)產(chǎn)品定價(jià),提高保費(fèi)收入持續(xù)增長(zhǎng)能力,降低運(yùn)營(yíng)和合作成本,構(gòu)建第三方保單認(rèn)證和風(fēng)險(xiǎn)評(píng)估體系,加強(qiáng)資金規(guī)范化管理,強(qiáng)化外部監(jiān)管等。
[Abstract]:The special operation mode of Internet insurance makes insurance companies present financial characteristics such as small proportion of fixed assets, low ratio of assets and liabilities, "scene, fragmentation" of insurance products, low channel cost, etc. It also makes insurance companies face more complicated financial risks, such as strong dependence on shareholders' equity funds, increased pricing risk, uncertain profit space, fraud and loss hedging and money laundering risk, and so on. In view of this, we should broaden the financing channels, optimize the pricing of insurance products, improve the ability of sustained growth of premium income, reduce the operation and cooperation costs, construct a third-party policy certification and risk assessment system, and strengthen the standardized management of funds. Strengthen external supervision and so on.
【作者單位】： 湖南商學(xué)院會(huì)計(jì)學(xué)院;
【基金】：國(guó)家社會(huì)科學(xué)基金項(xiàng)目(17BGL050)
【分類(lèi)號(hào)】：F724.6;F840.4;F842.3

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