资金运用率

我国保险资金运用率不超过50%，而国外发达国家一般可达90%。

Insurance fund application in China is under 50 % , but it is over 90 % in developed countries .

呼叫中心作为电子化服务进程的一个代表性工程，在金融行业应用逐渐广泛，合理的呼叫中心排班不仅仅能提高金融机构的资金运用率，控制成本，还能提高企业服务形象。

Through the electronic process , call center has extensive use in financial institution . Reasonable schedule in financial institutions ' Call Center , not only can increase the rate of capital utilization , control costs , but also improve the image of corporate services .

资金运用的收益上，我国保险公司资金运用收益率低，寿险公司出现利差损现象，国外保险公司资金运用收益比较高，资金运用不仅填补承保亏损，而且是其利润的来源；

We get low proceeds , or even an interest rate loss in some life insurance companies , while international companies make high proceeds , which can not only fill up their insurance loss but be a source of their profits ;

中国保险资金运用存在政策性因素导致的系统性风险，保险资金投资管理模式落后，保险资金的运用结构不合理，资金运用率和投资收益率低下等问题。

Chinese insurance funds application existence policy factor the systematicness risk that caused , surely capital investment management pattern is backward , the structure of insurance funds application is not reasonable , capital is low with rate and investment gain rate , etc.