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1、苏州中心支公司整改报告总公司：根据总公司财务关于二级机构分区结果第二阶段通报的通知，苏州中心支公司未完成各项经营指标，且第三季度连续三个月评定为C类机构，从黄区机构降为红区机构。按照总公司要求，我司积极整改，具体情况汇报如下：一、指标完成情况（一）、保费收入情况截止2015年09月，苏州中心支公司累计保费收入3853.96万元，年保费计划8500万元，完成年保费计划的45.34%，落后序时进度29.66%。月份交强险商业车险车险小计非车险保费合计非车险占比2015.01107.22216.02323.2445.30368.5412.29%2015.02106.54255.75362.299.4
2、4371.732.54%2015.03213.68515.49729.17108.74837.9112.98%2015.04156.44351.84508.28125.22633.5019.77%2015.05142.00283.43425.4377.45502.8815.40%2015.06107.78194.96302.7547.98350.7313.68%2015.0775.79152.41228.2059.33287.5420.63%2015.0847.32109.04156.3696.54252.9038.17%2015.0962.49149.55212.0436.20248.231
3、4.58%合计1019.262228.503247.76606.203853.9615.73%（二）、前线销售费用率截止2015年09月，前线销售费用率（账面）30.78%，年初预算27.78%，超预算3.00%；前线销售费用率（2015保单）28.60%，年初预算27.78%，超预算0.82%。月份年初预算前线销售费用率账面差异15保单差异2015.0127.78%29.01%-1.23%27.36%0.42%2015.0227.78%25.67%2.11%27.70%0.08%2015.0327.78%25.43%2.35%26.82%0.96%2015.0427.78%26.29%1.4
4、9%27.30%0.48%2015.0527.78%28.05%-0.27%27.59%0.19%2015.0627.78%29.76%-1.98%27.88%-0.10%2015.0727.78%30.67%-2.89%28.12%-0.34%2015.0827.78%30.92%-3.14%28.42%-0.64%2015.0927.78%30.78%-3.00%28.60%-0.82%（三）、后线管理费用率截止2015年09月，后线管理费用率13.30%，年初预算7.79%，超预算5.51%，主要因为保费未按照序时进度完成，后线管理费用不能摊薄。月份BG01日常管理费用BG02人力费用B
5、G03固定费用BG04间接理赔费用合计2015.011.17%5.21%1.97%2.80%11.14%2015.022.61%11.99%1.98%4.47%21.04%2015.031.75%6.81%1.40%3.11%13.08%2015.041.61%5.98%1.46%2.68%11.74%2015.051.59%5.97%1.50%2.60%11.65%2015.061.60%5.97%1.58%2.61%11.76%2015.071.68%6.11%1.66%2.69%12.14%2015.081.78%6.29%2.01%2.89%12.96%2015.091.84%6.40
6、%2.11%2.96%13.30%（四）、营业税金及计提费用率截止2015年09月，营业税金及计提费用率7.12%，年初预算6.97%，超预算0.15%。月份营业税金及附加计提费用合计2015.015.60%2.80%8.40%2015.025.60%2.05%7.65%2015.035.60%1.86%7.46%2015.045.60%1.69%7.29%2015.055.60%1.62%7.22%2015.065.60%1.59%7.19%2015.075.60%1.56%7.16%2015.085.60%1.54%7.14%2015.095.60%1.52%7.12%（五）、满期综合费用
7、率截止2015年09月，综合费用率51.31%，环比上升0.20%，同比上升9.04%，因发放2014年年终奖56.61万元，占比自留保费1.85%，剔除该因素，实际综合费用率49.83%，比年初预算高6.91%，主要原因为保费达成率低，后线管理费用不能摊薄。月份获取成本维持费用间接理赔费用综合费用自留保费综合费用率（当月）综合费用率（累计）2015.01137.89 30.74 10.31 178.94 368.55 48.55%48.55%2015.02108.81 91.96 22.75 223.52 372.24 60.05%54.33%2015.03272.32 34.61 15.9
8、7 322.90 837.89 38.54%45.95%2015.04223.73 42.98 10.33 277.04 632.69 43.79%45.33%2015.05214.69 45.48 11.10 271.27 502.75 53.96%46.93%2015.06175.13 34.77 9.44 219.34 350.78 62.53%48.71%2015.07135.85 36.35 10.26 182.46 287.53 63.46%49.98%2015.0896.53 46.27 13.90 156.70 232.04 67.53%51.11%2015.0986.78 3
9、5.27 10.11 132.17 244.00 54.17%51.31%（六）、经营综合赔付率截止2015年09月，经营综合赔付率110.32%，环比上升了7.62%。月份已决赔款摊回赔付支出提取未决赔款准备金摊回未决赔款准备金合计已赚保费（法定）经营综合赔付率2015.01329.21 0.18 578.36 -0.16 907.54 635.25 142.86%2015.02614.48 0.18 799.44 -0.18 1413.92 1192.99 118.52%2015.03824.76 0.18 1003.52 -0.25 1828.35 1791.41 102.06%2015
10、.041176.79 0.62 1037.92 7.55 2206.53 2367.02 93.22%2015.051467.80 0.62 1412.79 -0.37 2880.34 2951.87 97.58%2015.061949.11 0.92 1670.05 -0.34 3618.59 3505.28 103.23%2015.072498.68 1.05 1631.80 -0.37 4129.81 4058.27 101.76%2015.082859.73 1.05 1842.69 -0.25 4701.63 4577.98 102.70%2015.093277.55 1.31 22
11、94.45 0.83 5569.86 5048.74 110.32%（七）、满期综合成本率截止2015年09月，满期综合成本率161.63%，年初预算97.57%，超预算64.06%。月份满期综合费用率经营综合赔付率 满期综合成本率2015.0148.55%142.86%191.42%2015.0254.33%118.52%172.85%2015.0345.95%102.06%148.01%2015.0445.33%93.22%138.55%2015.0546.93%97.58%144.50%2015.0648.71%103.23%151.95%2015.0749.98%101.76%151.
12、74%2015.0851.11%102.70%153.82%2015.0951.31%110.32%161.63%（八）、满期经营利润截止2015年09月，苏州中心支公司满期经营利润-3076.31万元,预算195万元，预算达成率-1577.59%。月份自留保费法定未到期法定已赚保费满期经营利润2015.01368.55 -266.70 635.25 -580.72 2015.02740.79 -452.20 1192.99 -869.06 2015.031578.68 -212.73 1791.41 -859.64 2015.042211.37 -155.65 2367.02 -912.06
13、 2015.052714.12 -237.75 2951.87 -1307.00 2015.063064.89 -440.39 3505.28 -1809.98 2015.073352.43 -705.84 4058.27 -2088.92 2015.083584.47 -993.51 4577.98 -2428.39 2015.093828.46 -1220.28 5048.74 -3076.31 二、存在的问题（一）、保费计划达成率较低截止2015年09月，苏州中心支公司累计保费收入3853.96万元，落后序时进度2521.04万元；去年同期保费收入5944.03万元，同比减少保费2090.07万元，保费收入下滑的原因如下：1、受主动清亏政策的影响（1）、非营业货车去年保费364万，今年已坚决清理。（2）、家庭自用车去年保费
