In wealth insurance, the positive basis of the current asset insurance amount is mainly based on the financial situation and needs of the insured. Specifically, the determination of the amount of liquid asset insurance usually considers the following aspects:
1.Financial status of the insured: The financial status of the insured is one of the important factors in determining the amount of insurance for current assets. The insurance company will consider the insured's assets, liabilities, cash flow, etc., to determine the amount of current assets insured that it needs.
2.The insured's business needs: The insured's business needs are also one of the important factors in determining the amount of current assets insured. The insurance company will consider factors such as the insured's business scale, business characteristics, market prospects, etc., to determine the amount of current assets insurance required.
3.Industry standards and market data: Insurers often refer to industry standards and market data to determine the amount of liquid assets insured. These data include the financial data of similar enterprises, market trends, industry risks, etc., to help insurance companies reasonably determine the amount of current assets insured.
4.Policies and regulations: Policies and regulations are also one of the important factors in determining the amount of current asset insurance. Insurance companies need to comply with relevant policies and regulations, such as the Accounting Standards for Business Enterprises and the Company Law of the People's Republic of China, to ensure that the determination of the insured amount of current assets meets the requirements of relevant laws and regulations.
To sum up, in wealth insurance, the positive basis of the current asset insurance amount is mainly based on the financial situation and needs of the insured, while referring to industry standards and market data, as well as complying with relevant policies and regulations.