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1. An insurance company is an insurer in the form of a company and is engaged in insurance business. Insurance companies have the right to collect insurance premiums and establish insurance premium funds. At the same time, in the event of an insured accident, it is obliged to compensate the insured for economic losses. The main types of insurance companies are stock insurance companies, mutual insurance companies and exclusive insurance companies.
2. Similar to joint-stock companies in other industries, joint-stock insurance companies are established by sponsors according to the company law, which stipulates the number of sponsors, the company's debt limit, the types of shares to be issued, taxation, business scope, power, application procedures, company license, etc. Company organizations in western developed countries are composed of three power groups, namely shareholders, board of directors and senior managers.
3. Mutual insurance company is also a form of company organization, but it is a non-profit company with no shareholders, and the company is owned by the insured. Therefore, the insured has a dual identity, both as the owner and the customer of the company. Shareholders of joint-stock insurance companies are not necessarily customers of the company. As the owner, the insured of the mutual company can participate in the election of the board of directors, and the board of directors will appoint the company's senior management personnel to be responsible for the company's business operation and management. The insured can share the operating results in the form of "dividends". Insurance companies established by industrial and commercial enterprises to provide risk insurance or reinsurance for their own enterprises, affiliated enterprises and other affiliated enterprises.
4. When buying insurance, the financial stability and health of the insurance company may be the main consideration. Paying insurance premiums is usually to prepare for losses in the next few years. Because of this, the viability of insurance companies is very important. At present, many insurance companies are going bankrupt (for example, the Japanese insurance industry after the Asian financial crisis, the American insurance industry after the 1 1 incident, and so on). ), making their customers lose protection (or relying on the government insurance guarantee fund to get very little insurance money when an accident occurs). Many independent rating agencies abroad provide financial information of insurance companies and rate insurance companies (such as Munich Reinsurance), but in China, such companies are rare and often rely on the announcement of the China Insurance Regulatory Commission to obtain information.