Shi Sheng Chuangfu Insurance Brokerage Co., Ltd. is a nationwide, comprehensive and Internet-qualified insurance brokerage institution approved by the Insurance Regulatory Commission of the Bank of China, with a registered capital of 50 million yuan. Its brokerage services cover accident insurance, health insurance, life insurance, annuity insurance, property insurance, liability insurance, credit insurance and other insurance fields.
Shi Sheng Chuangfu is a brokerage company and must choose insurance products from a professional perspective. The registered capital of an insurance company must be paid in at least 200 million yuan, and there is no need to worry about the situation that it cannot pay.
Insurance has the functions of economic compensation, financial intermediary and social management, which are an organic whole. The function of economic compensation is the basic function, and it is also the most remarkable feature that distinguishes insurance from other industries. Financial intermediary function is developed on the basis of economic compensation function, and social management function is an important function after the insurance industry has developed to a certain extent and penetrated into many aspects of social life. It only has the function of economic compensation.
First, the function of financial intermediary.
The function of fund-raising refers to reinvesting the idle part of insurance funds into the process of social reproduction. In order to make the insurance business stable, the insurer must ensure the appreciation and preservation of insurance funds, which requires the insurer to use insurance funds. The use of insurance funds is not only necessary but also possible. On the one hand, there is a time difference between premium income and compensation expenditure; On the other hand, the occurrence of insurance accidents does not all happen at the same time, so it is impossible to pay all the insurance premiums charged by the insurer at one time, that is, there is a quantitative difference between the insurance premiums charged by the insurer and the payment fees. All these provide the possibility for the financing of insurance funds. Insurance financing should adhere to the principles of legality, liquidity, safety and efficiency.
Second, the function of social management.
Social management refers to the process of regulating the whole society and its various links. The purpose is to give full play to the functions of various systems, departments and links, and realize the harmonious social relations, benign operation and effective management of the whole society.
1. Social security management: As an effective part of the social security system, insurance plays an important role in improving the social security system. On the one hand, insurance expands the coverage of social security by providing insurance protection for those who have not participated in social insurance; On the other hand, insurance provides multi-level security services for the society through flexible and diverse products.
2. Social risk management: Insurance companies have professional knowledge of risk management and a large amount of risk loss information, which provides strong data support for social risk management. At the same time, insurance companies vigorously publicize and cultivate the risk prevention awareness of policyholders; Help policyholders identify and control risks and guide them to strengthen risk management; Conduct safety inspection and urge the insured to take timely measures to eliminate hidden dangers; Withdraw disaster prevention funds to fund the purchase of disaster prevention facilities and the research on disaster prevention and control.