"We are busy cleaning up the premium due, if not standard, the responsible people to Kougong Zi, and no promotion." An Insurance Company sources. There are more than two months from the end of the year, the Insurance Company In addition to the busy business and Latin America, but also busy cleaning up the premium accounts in order to ensure the completion of the corresponding indicators.
Premiums receivable at a high level, has been troubled by problems of the Insurance Company. A few days ago a herd on the auto service arrears accumulated Union Insurance Company 11,000,000 yuan of premium, the premium will once again be exposed in the risk of misappropriation.
At present, the Insurance companies are almost certain premiums receivable. With the increasingly fierce market competition, has become a staging fee Chanxiangongsi practices.
People's Insurance Department of Insurance auto insurance, general manager of Zhong You side of the "Business News" said that a lot of market intermediaries Insurance non-standard, the premium receivable is too high, not only affected the insurance company's cash flow, premiums are There is the risk of diversion. PICC Property Insurance Center Daily News revealed that in the first half of this year, the premiums receivable and accounts Acting 13,900,000,000 yuan, an increase of 6,761,000,000 yuan.
In general, the premium rate should be due no more than 8%, but the proportion of individual companies as much as 20%. The premium rate accounts is too high, so that the bad debt reserve a corresponding increase in the amount of extract, and then affect the underwriting profit. In addition, the premiums receivable are often non-existent in the industry for premium-sharing and excess fees.
In July this year, the China Insurance Regulatory Commission issued "on the strengthening of the insurance premium receivable management issues," which called for strengthening the Receivables premium collection and clean-up. "Our company's premiums receivable management and more severe punishment, and demand for a full year to clean up." Insurance, a company official said.
Fang Zhong You said that due PICC Property Insurance premiums are strictly controlled by one of the key indicators, all of the branches provides for strict liability of the outstanding bad debt reserves and reserve targets, and so on, and received clearance to duty , A strict examination of the indicators. Country life Insurance Company of Heilongjiang Province, deputy general manager of Fan Cheng Wan said that the premium rate accounts are the most rigorous examination of the target company on the basis of paid-up insurance premium rates to reach the corresponding performance evaluation. Insurance and the sun is on the staff from the Division of the existence of premiums receivable, asked not to apply for clearance from the Secretary, Zuo Zhi, premium misappropriation of the deadline to clean up.
The trial is currently "see a single fee," Insurance companies clean-up due to become an effective tool for insurance premiums. See a single fee, that is, insurance companies or financial core business systems based on the full premium charges recorded information and to confirm in real time, the business generated system only official policy. According to the relevant provisions of the China Insurance Regulatory Commission, the system will be on January 1 next year in strong cross-risk auto insurance business and at the same time, if by then the implementation of these two companies will close down operations.
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