C人寿公司承保风险案例研究

发布时间：2018-03-20 03:22

本文选题：风险管理　切入点：客户价值管理　出处：《大连理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着人们保险意识不断提高、收入逐步增加,中国的寿险行业目前正处于蓬勃发展阶段。市场中各家寿险企业推陈出新利用各种传播渠道激烈竞争目标客户,尤其是微信、微博等新兴媒体为寿险企业扩大保费规模带来巨大的机遇。然而各寿险企业在不断追求保费收入的同时,遇到了一个无法避免的问题,即承保风险加大,保单出险发生率超出精算产品定价预定范围,使公司经营陷入困境。因此,承保风险的管理是维护寿险企业持续、稳健经营的关键。本文在风险管理理论的基础上,采用案例研究的方法,从分析C人寿公司承保风险管理的现状和特点入手,对目前工作中存在的问题进行深入的分析和研究,总结承保风险管理漏洞。从风险选择角度,以寿险业务管理流程为主题,根据风险管理、客户价值理论以及信息不对称理论原理,结合C人寿公司实际情况,探索提出适合公司特点的、可行的承保风险管理建议。从风险识别能力入手,优化客户通知管理,并强化销售人员风险管控,从而提高承保风险管理质量,在保证公司经营安全的基础上,帮助公司在寿险市场中更具竞争力。
[Abstract]:With the increasing of people's insurance consciousness and increasing income, the life insurance industry in China is now in a stage of vigorous development. In the market, life insurance enterprises are taking advantage of various communication channels to compete intensely with their target customers, especially WeChat. Weibo and other emerging media for life insurance companies to expand the scale of insurance premiums bring huge opportunities. However, while pursuing premium income, every life insurance enterprise is confronted with an unavoidable problem, that is, the risk of insurance is increased, and the insurance risk rate exceeds the predetermined range of the pricing of actuarial products, which causes the company to run into a difficult position. The management of underwriting risk is the key to maintain the continuous and steady operation of life insurance enterprises. Based on the theory of risk management, this paper analyzes the current situation and characteristics of underwriting risk management in C Life Insurance Company by using the method of case study, and makes a deep analysis and research on the problems existing in the present work. Summarize underwriting risk management loopholes. From the angle of risk selection, taking the life insurance business management process as the theme, according to the risk management, customer value theory and information asymmetry theory principle, combined with the actual situation of C Life Insurance Company, this paper explores and puts forward suitable for the characteristics of the company. Feasible risk management advice. From the risk identification ability to optimize customer notification management, and strengthen the risk management of sales personnel, thereby improving the quality of underwriting risk management, on the basis of ensuring the safety of the company, Help companies become more competitive in the life insurance market.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F272.3;F842.3

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