论当前财产保险公司经营面临的困境及改善办法

当前国内财产保险公司经营利润逐年降低，盈利空间变窄，大部分保险公司从盈利逐步陷入亏损的境地，经营风险不断加大。恶性竞争、承保费用提高、理赔难是造成这一局面的主要因素。如何扭亏为盈，摆脱困境，本文将从内部管理和外部监督两方面进行分析，并提出改善办法。

On the Current Difficulties and Countermeasures Faced by Property Insurance Companies

Current domestic property insurance companies had reduced annual operating profit, and their profit margins narrowed. Most insurance companies go from a profit into a loss step by step, business risks are increasing continuously. Vicious competition, higher costs of underwriting, and claims difficulty are the main factors in causing this situation. How can they turn around and get out of the woods？ This article analyses from the internal management and external supervision and proposes improvement ways.