保险机构赔付率偏高和退保率上升的原因分析——基于基层保险机构实践

赔付率和退保率偏高将导致保险机构支出增加，经营质量下降，集中退保处置不当甚至会引发群体性事件，危及社会稳定。当前，虽然保险行业整体运行平稳，但在经济欠发达地区个别基层保险机构也时常出现赔付率和退保率异常上升的情况，分析其原因，主要有风险管控不严、管理责权不对称、产品与代理销售人员责任心不强、市场环境不佳等。

Analysis of the Causes of Insurance Payment Rate and Surrender Rate Rise--Based on the Practice of Insurance Institutions

The compensation rate and surrender rate will lead to increased spending on insurance institutions, business quality, surrender to focus the improper disposal and even lead to mass incidents, endangering social stability. At present, although the overall operation of the insurance industry is stable, but in the underdeveloped areas of individual grass-roots insurance institutions also often appear loss ratio and surrender rate of abnormal rise situation, analyzes its reason, mainly has the risk control is not strict, management responsibilities asymmetry, products and agent sales staff responsibility heart is not strong, the market environment is poor.