民安财产保险有限公司承保的风险控制研究

发布时间：2018-02-10 15:33

本文关键词： 民安保险承保风险控制优化　出处：《湖南大学》2014年硕士论文　论文类型：学位论文

【摘要】：目前，越来越多的机构和个人开始研究和重视财险公司承保的风险控制，加强核保核赔体系建设，控制财险公司的业务风险。先进的风险管理是通过制定风险管理规划，实施现场风险查勘，撰写风险查勘报告等一系列工作，为核保人员收集详实的承保标的，提供科学的风险评价建议及意见，成为核保的基础信息来源和重要技术支撑。因此，着力培育和改进风险管理技术，对于保险公司甄别、选择更优质的业务，避免保险公司流程和人员上存在的问题有着重要意义。作者就职于民安保险，本文以民安保险为案例，对民安保险承保的风险控制进行了分析。首先，从国内外的相关理论入手，分析财险公司主要经营风险的成因，并对国内外的研究进行综述。第二章对首先介绍民安保险经营现状、保险风险管理现状，其次对承保风险进行识别分析，包括识别的原则与方法、外部风险识别、内部流程风险识别、业务板块风险识别，最后，对民安保险风险进行综合评价。第三章提出了民安保险承保风险的优化措施及策略，从风险管控目标设定、组织模式设计、内控体系设计、业务结构调整几个方面进行优化。最后，为保证民安保险风险控制优化的有效实施，针对性的提出了人才队伍建设、问责与奖励相结合、分级授权、完善业务流程等实施保障。通过对民安保险承保的风险控制的研究和相关策略制定，对公司的长远发展有重大的实际意义，并对其他从事保险或金融行业其它的类型企业有一定参考价值。
[Abstract]:At present, more and more institutions and individuals have begun to study and attach importance to the risk control of property insurance companies, strengthen the construction of the insurance and indemnity system, and control the business risks of property insurance companies. Advanced risk management is through the formulation of risk management plans. To carry out a series of work, such as carrying out on-site risk survey and writing risk survey report, providing scientific risk assessment suggestions and opinions for the insured personnel to collect detailed underwriting targets, and become the basic information source and important technical support for the nuclear insurance. It is of great significance to cultivate and improve the risk management technology for insurance companies to identify, select more high-quality business and avoid the problems in the process and personnel of insurance companies. The author works for Minan Insurance. This paper takes Minan Insurance as a case to analyze the risk control of Minan Insurance underwriting. Firstly, starting with the relevant theories at home and abroad, this paper analyzes the causes of the main operating risks of property insurance companies. The second chapter introduces the current situation of insurance management, insurance risk management, and then analyzes the underwriting risk, including the principles and methods of identification, external risk identification. Internal process risk identification, business sector risk identification, and finally, comprehensive evaluation of Minan Insurance risk. Chapter three puts forward the optimization measures and strategies of Minan Insurance underwriting risk, from risk control goal setting, organization model design, The design of internal control system and the adjustment of business structure are optimized in several aspects. Finally, in order to ensure the effective implementation of the risk control optimization of Minan Insurance, the author puts forward the construction of talent team, the combination of accountability and reward, and the authorization of different levels. Improve business processes and other implementation protection. Through the research on the risk control of insurance underwriting and the formulation of relevant strategies, it is of great practical significance to the long-term development of the company, and also has certain reference value to other types of enterprises engaged in insurance or financial industry.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3

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