广西寿险公司代理机构业务操作风险管理的研究

发布时间：2018-03-14 17:28

本文选题：寿险公司　切入点：保险代理　出处：《广西大学》2014年硕士论文　论文类型：学位论文

【摘要】：自一九七九年开始,保险业在中国发展进入新的阶段,我国保险公司全面恢复国内业务,其业务在国内获得了极大发展。保险代理机构作为联系保险人与投保人之间的纽带,极大地补充、拓展了保险公司的展业渠道,降低了保险公司的展业成本,积极为广大投保人提供了多元化的保险服务,充分实现了保险公司、保险代理机构和投保人的共赢,为保险市场的繁荣壮大、完善市场体制和服务经济社会发展等方面发挥了积极作用。保险代理机构业务飞速的发展的同时,寿险公司代理机构业务操作风险逐渐显现。2013年,发生的上海泛鑫保险代理公司美女高管陈怡携巨款外逃事件震惊业内外,给与其合作的寿险公司带来了难以估量的损失。该案件暴露了寿险公司对于代理机构业务操作风险管理的缺失,向人们再一次敲响了寿险公司保险代理机构业务风险防范的警钟。从很早开始,人类就意识到企业的经营活动必然伴随着风险,以经营风险为主营业务的保险业也因此而诞生。在经济较为发达的国家,学术界和各大型企业均对企业经营所面临的风险和管理手段进行了积极的研究和探索,风险管理理论的研究得到了日新月异的发展,从传统风险管理已经过渡到了全面风险管理的阶段。但对于保险企业风险管理的研究,尤其是寿险公司操作风险的研究,不论国内还是国外都是从近十余年才开始起步,针对保险代理机构业务操作风险的研究更是十分匮乏。而在现实中,寿险公司代理机构业务操作风险事件频发,造成了巨大的经济损失和企业声誉损失,又凸显了对保险代理机构业务操作风险管理研究的紧迫性和必要性。笔者认为在基础数据和实践经验缺乏的前提下,参考银行业等行业操作风险计量的模型对风险进行评估,以计提经济资本的方式对保险代理机构业务操作风险进行管理缺乏科学性、有效性,而分析保险代理机构业务操作风险的特殊性、现实管理存在的问题和产生问题的原因,提出具有针对性的对策,更有理论研究意义和现实指导意义。
[Abstract]:Since 1979, the insurance industry has entered a new stage of development in China. Our country's insurance companies have fully resumed their domestic business, and their business has been greatly developed in China. The insurance agency acts as a link between the insurer and the policyholder. In addition, it has greatly expanded the channels for the development of insurance companies, reduced the costs of insurance companies, actively provided diversified insurance services to the broad masses of policy holders, and fully realized the win-win situation of insurance companies, insurance agencies and policy holders. For the prosperity of the insurance market, improve the market system and serve the economic and social development has played a positive role. With the rapid development of insurance agency business, the operational risk of agency business of life insurance company is gradually emerging. On 2013, Chen Yi, a beautiful executive of Shanghai Pan Xin Insurance Agency, shocked the industry and the outside of the industry by carrying a huge amount of money out of the country. The life insurance company that cooperated with it suffered incalculable losses. The case exposed the lack of operational risk management in the agency's operations. Once again sounded to people life insurance agency business risk prevention alarm. From very early on, human beings realized that the business activities of enterprises must be accompanied by risks, and the insurance industry, whose main business was risk management, was born as a result. The academic circles and each large enterprise have carried on the active research and the exploration to the risk and the management method which the enterprise management faces, the risk management theory research has obtained the development with each passing day. From traditional risk management to comprehensive risk management, however, the study of risk management in insurance enterprises, especially the study of operational risk of life insurance companies, has only started in the past ten years, both at home and abroad. The research on the operational risk of insurance agency business is very scarce. In reality, life insurance company agency business operation risk events occur frequently, resulting in huge economic losses and corporate reputation losses. It also highlights the urgency and necessity of the study on operational risk management of insurance agency business. The author thinks that under the premise of lack of basic data and practical experience, the risk is evaluated by referring to the model of operational risk measurement in banking and other industries. It is not scientific and effective to manage the operational risk of insurance agency business in the way of economic capital, but the particularity of the operation risk of insurance agency business, the problems existing in the real management and the causes of the problems are analyzed. It is of theoretical and practical significance to put forward targeted countermeasures.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F272.3;F842.3

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