【正文】 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專業(yè)保險代理公司是籍由保險產品的推銷、保費代收及協(xié)助保險公司進行損失的查戡和理賠，賺取傭金與代理費，且未承擔報單之任何風險；其基本職能是供給職能，即最大限度地滿足保險業(yè)的發(fā)展需求，業(yè)務經營風險極小。加之隨著我國加入WTO，全球經濟一體化格局的建立，必將徹底地改善和規(guī)范我國的保險代理市場。 隨著，我國保險產業(yè)及保險代理業(yè)的逐漸規(guī)范化，保險業(yè)及代理業(yè)法律法規(guī)的不斷完善，政府監(jiān)督職能的加強。）（注：此時的各項投資僅局限于對西安地區(qū)的總投資297萬元）167。 當在各地市（西安除外）的辦事處，未能如期建成或惡性競爭過強時，三年內資金平均利潤率仍可達到 %，投資回收期為 年，仍為高盈利項目。. 財務敏感性分析 影響項目經濟收益的主要因素有以下幾項： （1）代理公司的分支機構——辦事處未能如期建成。屬于高盈利項目。167。167。9．財務評估167。. 利潤情況 收入依據各年的計劃投保量及逐年遞增情況進行計算（第一年公司營業(yè)收入為1000萬元，營業(yè)稅金為56萬元，利潤總額為 – 萬元；第二年營業(yè)收入為1750萬元，營業(yè)稅金為98萬元，利潤總額為 萬元；第三年營業(yè)收入為2615萬元，稅前利潤總額為 ）。人均。. 損益表中各項費用提取依據： （1）管理費用按代理費收入的3%提?。?（2）%提?。?（3）其他費用支出按代理費收入的1%提?。?（4）辦公自動化設備及電信設施按五年折舊； （5）裝修費、交通工具、辦公家具等統(tǒng)一按十年折舊； （6）開辦費按三年攤銷； （7）人事費用以管理人員1萬元/年167。167。8．經濟社會效益分析167。. 資金來源 xx保險代理有限公司資金來源于各股東的投資。7. 投資計劃及資金來源