【正文】 stable profit rate and dividend rate, and provided satisfactory investment returns for its shareholders.s financial report for 2003, the ROI hit %, and aftertax return on capital of % in 2003. At the end of December 2003, its total assets were worth RMB 5,649 million.IV. Insurance BusinessThe year 2003 is the year in which Huatai forged ahead in the course of adjustment. Huatai did not waver in pursuing the strategic principle of persisting in specialized operation and development focusing on quality and profitability. It set the scientific development concept of integrating the growth rate, structure, quality, and profitability. In an everchanging market, it always maintained a sober mind and steadily pushed forward a strategic shift in operation, achieving marked results and high operating performance.In personal insurance business, Huatai, based on actuarial results, promptly adjusted its insurance verification policy to bring under control the risks in automobile insurance and other lines of business. In mercial insurance, it tightened the examination, verification and check of underwriting targets, and became even stricter in choosing business. It improved its overall insurance product mix and achieved a 50% increase in its nonautomobile insurance business in 2003, which begun the year witnessing the fastest growth since the founding of Huatai. The ratio of nonautomobile business jumped from 37% in 2002 to 41% in 2003. Huatai also carried out a structural adjustment of its automobile insurance, increasing the ratio of underwriting profitmaking automobiles.Moreover, Huatai quickened the pace of making innovatio ns in products, pleted the development of accident injury insurance products and export product liability insurance prod ucts, introduced shop package that was closer to the demand of small and mediumsized customers, and energetically develo ped a new generation of investmentoriented insurance products.Huatai has opened branches and central subbranches in the cities of Beijing,Shanghai,Tianjin,Chongqing, Nanjing,Guang zhou,Xi39。 公司重視從點滴做起，追求可持續(xù)發(fā)展，努力通過不斷的業(yè)績增長，創(chuàng)造出自身更大的價值。六、投資業(yè)務(wù) 2003年投資市場風險激增，債市波動，股市動蕩，公司投管中心準確、及時把握市場脈搏，果斷調(diào)整投資策略，科學決策，穩(wěn)健運作，成功規(guī)避了市場風險，同時積極尋找獲利空間，取得了突出的經(jīng)營業(yè)績，%，為公司全面完成利潤指標做出突出貢獻。整體險種結(jié)構(gòu)有所改善，非車險業(yè)務(wù)同比增長50%，是公司成立以來增速最快的一年；非車險所占比重由上年的37%提高到41%；車險業(yè)務(wù)本身也進行了結(jié)構(gòu)性調(diào)整，效益車型的承保比例提高。%，%，繼續(xù)保持業(yè)內(nèi)領(lǐng)先。面對日益激烈的市場競爭環(huán)境，堅持科學的發(fā)展觀，依靠創(chuàng)新把公司做大做強。公司60余家發(fā)起股東多為實力強、規(guī)模大、效益好的大型企業(yè)和企業(yè)集團，覆蓋了石油、電力、冶金、電子、化工、航空、建筑、輕工、船舶等24個行業(yè)，股東總資產(chǎn)超過1萬億人民幣。公司加強了對分支機構(gòu)的管控力度，在核保、理賠、財務(wù)、人事、信息技術(shù)等方面實行垂直化管理。四、保險業(yè)務(wù)2003年是華泰在調(diào)整中前進的一年。五、重大承保項目華泰保險公司是中國航天保險聯(lián)合體、核保險聯(lián)合體發(fā)起成員。公司以開放的姿態(tài)，積極開展對外交流。公司黨委、團委和工會經(jīng)常組織員工開展登山、植樹、旅游、書畫、攝影和足球比賽等豐富多彩的業(yè)余文化生活，增強員工的凝聚力