中国人保财险宁夏分公司法律风险管理研究

发布时间：2018-04-27 17:43

本文选题：保险公司 + 法律风险　；参考：《宁夏大学》2013年硕士论文

【摘要】：改革开放以来,我国保险业发展取得了举世瞩目的成绩。但是,作为三大金融行业之一的我国保险业,无论是对其法律风险管理理论的研究还是实践,都比较落后,而针对财产保险省级分支机构的法律风险管理研究更是空白。本文正是紧紧把握企业法律风险管理研究行业化的发展趋势,尝试对财产保险公司省级分支机构法律风险管理的理论进行一些探索,并希望能够以此在行业内推动保险公司分支机构法律风险管理实践的进步。本文首先对法律风险及法律风险管理的概念进行了界定,综述国内外关于企业风险管理的研究现状和理论前沿,概述了国内外关于企业法律风险管理的实践经验,然后详细分析了人保财险宁夏分公司所面临的一般企业共有的法律风险和其作为一家保险公司的省级分支机构所特有的法律风险,并对其法律风险管理现状进行了剖析；在运用分类列举的方法对人保财险宁夏分公司法律风险管理存在的问题进行了逐项分析的基础上,重点探究了改善其法律风险管理的途径。本文认为,要提高财产保险省级公司法律风险管理水平,应当首先要树立起整合法律风险管理的理念,即从整个组织所有的业务范围出发,系统全面地识别、评估及监测法律风险,从整个组织的目标出发制订法律风险管理的策略,然后在整合法律风险管理理念的指导下,在公司内部形成一整套职责分明、平衡制约、规章健全、运作有序的内部控制机制,在业务运作过程中形成环环相扣的监督制约。
[Abstract]:Since the reform and opening up, China's insurance industry has made remarkable achievements. However, as one of the three major financial industries, China's insurance industry, whether its legal risk management theory or practice, are relatively backward, and property insurance provincial branches of legal risk management research is a blank. This paper tries to explore the theory of legal risk management in the provincial branch of property insurance company. And hope to promote the practice of legal risk management in the insurance company branches in the industry. This paper first defines the concept of legal risk and legal risk management, summarizes the current research situation and theoretical frontier of enterprise risk management at home and abroad, and summarizes the practical experience of enterprise legal risk management at home and abroad. Then it analyzes the common legal risks faced by the general enterprises of PICC Ningxia Branch and the unique legal risks as a provincial branch of the insurance company, and analyzes the current situation of legal risk management. Based on the analysis of the problems in legal risk management of PICC Ningxia Branch by using the method of classification and enumeration, this paper probes into the ways to improve the legal risk management of PICC. This paper holds that in order to improve the level of legal risk management of provincial property insurance companies, we should first establish the idea of integrating legal risk management, that is, to identify the whole business scope of the whole organization systematically and comprehensively. To assess and monitor legal risks, formulate legal risk management strategies from the goals of the whole organization, and then, under the guidance of integrating legal risk management concepts, form a set of clear responsibilities, balanced constraints, and sound regulations within the company. Orderly operation of internal control mechanism, business operations in the process of interlocking supervision and constraints.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F272.3;F842.3

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