Q产险股份有限公司盈利能力分析.docVIP

PAGE 25 摘要 随着市场经济的发展，企业之间的竞争越来越激烈，如何让企业在激烈的竞争下生存和发展，成为每个企业必须面对的问题。我国财险保险行业发展潜力和空间巨大。然而，随着财险市场的主体数量快速增长，行业竞争愈加激烈。 文章将盈利能力分析的理论和实际相结合，通过对文献的研究和拓展，构建一套分析Q产险股份有限公司盈利能力的指标体系，利用Q产险的财务数据对盈利能力指标进行分析，对Q产险的盈利能力进行评价，总结公司盈利能力的影响因素。研究结果表明，Q产险的盈利能力优于行业平均水平，公司在我国非寿险市场中具有竞争优势。但是，近年Q产险的承保绩效表现一般，说明公司在经营管理上有改善空间。本文针对Q产险经营中出现的问题，提出了包括完善内部控制，优化业务结构，增强渠道管理，加强技术投入等一系列提升公司盈利能力的对策。 关键词：盈利能力分析；评价指标；非寿险公司 Analysis of Profitability of Limited Companies——Q Insurance Abstract: With the development of market economy, the competition among enterprises is becoming more and more fierce. How to make enterprises survive and develop under the fierce competition has become a problem that every enterprise must face. China's property insurance industry has great potential and space for development. However, with the rapid growth of the main body of the property insurance market, the industry competition is becoming more and more fierce. This paper combines the theory and practice of profitability analysis. Through the research and expansion of the literature, this paper constructs an index system to analyze the profitability of Q Insurance Company Limited, uses the financial data of Q Property Insurance to analyze the profitability index, evaluates the profitability of Q Property Insurance Company, and summarizes the influencing factors of the profitability of the company. The results show that the profitability of Q property insurance is better than the average level of the industry, and the company has a competitive advantage in China's non-life insurance market. However, in recent years, Q property insurance underwrite performance is general, indicating that the company has room for improvement in business management. In view of the problems in Q property insurance operation, this paper puts forward a series of countermeasures to improve the profitability of the company, including improving internal control, optimizing business structure, strengthening channel management, and strengthening technica