A财险湖南分公司承保利润提升对策研究

发布时间：2018-01-31 22:34

本文关键词： 承保利润市场占有率赔付率承保质量　出处：《中南大学》2013年硕士论文　论文类型：学位论文

【摘要】：摘要：财产保险公司的承保利润即是其主营业务利润。保险企业不同于一般的生产性和服务性企业,其经营和财务管理都体现着特殊金融企业的特征。我国财产保险公司由于起步晚、经营方式过于粗放,承保利润较少,甚至多为亏损。A财险公司是第二大国有财产保险公司,A财险湖南分公司成立于2005年6月,8年来公司业务发展较快,从年保费4001万到183590万,保费收入增加了45倍,但承保利润提升却十分缓慢。查找和分析承保利润提升缓慢的原因,寻找提升承保利润的对策成为A财险湖南分公司最为迫切解决的问题。本文是在对承保利润的构成及影响因素进行分析的基础上,提出财产保险公司的承保管理、理赔管理、再保险业务管理、资金管理等因素为影响承保利润的主要因素。针对A财险湖南分公司承保利润提升实证性的研究。本文首先分析了A财险湖南分公司近几年承保利润的现状及存在的问题,其次分析了该公司承保利润提升缓慢的原因,最后,在分析公司经营管理指标数据的基础上,提出了A财险湖南分公司提升承保利润的4大对策,包含优化承保管理,强化理赔流程管理,加强再保险业务管理,加强费用管理,推行财务预算管理制度。通过上述四大提升对策来对承保经营管理进行阐述,来提升A财险湖南分公司的承保利润。
[Abstract]:Abstract: property insurance companies underwriting profit is the main business profit. The insurance enterprise is different from the general production and service enterprises, the business and financial management embodies the special characteristics of financial enterprises. China's property insurance companies due to the late start, mode of operation is too extensive, underwriting profit less, or even more for the loss of property.A is the second largest state-owned property insurance company, A insurance company Hunan branch was established in June 2005, 8 years of rapid development of the company's business, from 40 million 10 thousand to 1 billion 835 million 900 thousand years of premium, the premium income increased by 45 times, but the promotion is very slow. Poly run to find and analyze the reasons for the slow increase of underwriting profit, looking for promotion the Countermeasures of underwriting profit becomes the most urgent problem for A insurance company Hunan branch.
This paper is based on analysis of structure and influencing factors of the underwriting profit on claims management underwriting management, property insurance companies, reinsurance business management, fund management and other factors as the main factors influencing the underwriting profit. According to the A property insurance company of Hunan branch bearing poly enhance empirical research. Run
This paper first analyzes the status quo of the A insurance company of Hunan branch in recent years of underwriting profit and the existing problems, followed by analysis of the company's underwriting profit increase slow reason, finally, based on the analysis of management index data company, put forward the A property insurance company of Hunan branch to enhance 4 Countermeasures of underwriting profit, including optimizing underwriting management, strengthen the claims process management, strengthen reinsurance business management, strengthen cost management, the implementation of financial budget management system. Through the above four measures to enhance the management of underwriting is expounded, to enhance the A property insurance company of Hunan branch underwriting profit.

【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3

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