FD公司如意鑫保险项目风险管理研究

发布时间：2018-03-05 12:31

本文选题：风险管理　切入点：项目风险管理　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：2016年,大保险公司业绩稳步增长,一些中小保险公司也取得不俗成绩。但同时,保险消费投诉也一直高涨不下。2017年,随着央行提高公开市场操作利率、养老金加快入市等利好因素的出现,人寿保险行业也得到了快速的增长。尤其是,随着人们收入的增长,健康、养老等安全保障的需求成为人们日常消费中不可缺少的部分,并在消费结构中占有越来越重要的地位。人们对于生活品质的要求越来越高,风险管理和保障意识也逐渐加强,对于保险行业将起促进作用。风险管理已经成为管理和控制决策的重要因素,广泛应用于经济,保险和制造等领域。全面风险管理已经成为研究人员和从业者日益广泛关注的焦点。本文,通过文献研究,系统梳理风险管理的起源和风险管理的概念,明确风险管理的基本过程和策略,详细阐述风险管理理论;在此基础上,以如意鑫保险项目为切人点,梳理FD保险公司风险管理的现状,探寻风险管理存在的问题,提出FD公司如意鑫保险项目风险管理改进方案;最后确定FD公司如意鑫保险项目优化方案实施保障措施。总而言之,本文借鉴成熟的企业风险管理框架,以FD保险公司为研究对象,为其他保险公司的风险管理提供建议。
[Abstract]:In 2016, the performance of big insurance companies grew steadily, and some small and medium-sized insurance companies also achieved good results. But at the same time, consumer insurance complaints have been rising. 2017, as the central bank raised open market operating interest rates, With the emergence of positive factors such as accelerating the entry of pensions into the market, the life insurance industry has also gained rapid growth. In particular, with the growth of people's income, the need for safety and security, such as health and old-age care, has become an indispensable part of people's daily consumption. And it plays an increasingly important role in the consumption structure. People have higher and higher demands on the quality of life, and the awareness of risk management and security has been gradually strengthened. Risk management has become an important factor in management and control decisions and is widely used in the economy. In the fields of insurance and manufacturing, comprehensive risk management has become the focus of increasing concern for researchers and practitioners. In this paper, the origin of risk management and the concept of risk management are systematically combed through literature research. Make clear the basic process and strategy of risk management, elaborate the theory of risk management in detail, on this basis, take Ruixin insurance project as the cutting point, comb the current situation of risk management of FD insurance company, explore the existing problems of risk management. This paper puts forward the risk management improvement scheme of Ruixin insurance project of FD company, and finally determines the guarantee measures of optimizing the insurance project of FD company. In a word, this paper draws lessons from the mature enterprise risk management framework. The FD insurance company is taken as the research object to provide advice for the risk management of other insurance companies.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.3;F272.3

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