人保财险福建省公司车辆保险业务风险管理研究

发布时间：2018-05-30 23:08

  本文选题：车辆保险 + 风险管理　； 参考：《福州大学》2014年硕士论文

【摘要】：近年来,我国整体经济实力增强,社会不断发展,人民生活水平及购买力有较大提高,带动机动车销售量及拥有量迅速增长。随着汽车市场的发展,消费者对于相对刚性的车辆保险的需求也不断扩大,财产保险公司的营业收入也随之大幅增长。近几年,车辆保险保费收入规模已在财产险中占绝对主导地位,并且增长速度也排在前列,规模占比尚在继续提高,其地位不言而喻。车辆保险作为财产保险最重要的组成部分,其经营状况直接影响财险公司的经营规模与利润,也与财险公司的可持续发展密切相关。然而,我们应该清醒地认识到,当前我国保险市场整体尚出于粗犷型发展阶段,车辆保险市场仍存在监管力度不足、行业自律落后等问题,各保险公司内控意识普遍薄弱,风险管理能力比较低,隐患较大。保险的本质是在经营风险,风险管理能力的高低决定保险企业能否顺利发展,车辆保险作为各财产保险公司的龙头险种,对其建立起一套有效的风险管理体系成为当下亟待解决的课题,这不仅能促进保险企业的自身发展,也对树立良好的市场秩序,促进行业健康持续发展,有效发挥国民经济稳定器的作用有着重要意义。本文以人保财险福建省分公司车辆保险业务为研究对象,对其主要风险进行了识别,同时建立指标体系及模型,通过数学手段进行评价,提出风险应对措施。本文开篇阐述了选题的背景,说明了提高车辆保险业务风险管理能力的重要意义,尤其对于保险公司省级分公司而言,风险管理易被忽视,对其加强管理应提上议程。开篇同时评述了国内外对车辆保险风险管理的有关研究。其次,简要介绍了风险管理理论及车辆保险相关基础理论。接着,介绍了人保财险福建省分公司的概况及其车辆保险业务的基本操作流程,将车辆保险业务中的主要风险分为内部风险及外部风险两大部分,进一步逐级细化构建五级风险指标体系。车辆保险业务风险评价因素较为复杂,具有难以定量化的特点,对此,本文采用层次分析法确定权重,建立风险评价矩阵,并运用模糊综合评价法分析评估,得出人保财险福建省分公司车辆保险业务的评价结果。最后,对人保财险福建省分公司车辆保险业务提出了风险应对措施,包括针对车辆保险事故率、单位损失成本、市场费率及销售费用等外部风险的措施以及针对承保风险、理赔风险等内部风险的措施。
[Abstract]:In recent years, the overall economic strength of our country has been strengthened, the society has been developing, the people's living standard and purchasing power have been greatly improved, and the sales and ownership of motor vehicles have increased rapidly. With the development of automobile market, consumers' demand for relatively rigid vehicle insurance is also expanding, and the operating income of property insurance companies is also increasing significantly. In recent years, the vehicle insurance premium income scale has taken the absolute dominant position in the property insurance, and the growth speed is also in the front row, the scale proportion is continuing to improve, its status is self-evident. As the most important part of property insurance, vehicle insurance has a direct impact on the scale and profits of property insurance companies, and is closely related to the sustainable development of property insurance companies. However, we should soberly realize that the whole insurance market of our country is still in the rough development stage, the vehicle insurance market still has some problems, such as insufficient supervision, backward self-discipline in the industry, and the consciousness of internal control of the insurance companies is generally weak. The risk management ability is low, the hidden danger is bigger. The essence of insurance is to manage risk, the ability of risk management determines whether the insurance enterprise can develop smoothly, the vehicle insurance is the leading insurance of each property insurance company. To establish an effective risk management system is an urgent task to be solved, which can not only promote the development of insurance enterprises, but also establish a good market order, promote the healthy and sustainable development of the industry. It is of great significance to give full play to the role of national economic stabilizer. This paper takes the vehicle insurance business of PICC Fujian Branch as the research object, identifies the main risks, establishes the index system and model, evaluates by mathematical means, and puts forward the risk countermeasures. At the beginning of this paper, the background of the topic is expounded, and the importance of improving the risk management ability of vehicle insurance business is explained. Especially for the provincial branches of insurance companies, risk management is easy to be ignored, and it should be put on the agenda to strengthen the management. At the same time, it reviews the research on risk management of vehicle insurance at home and abroad. Secondly, it briefly introduces the theory of risk management and the basic theory of vehicle insurance. Then, it introduces the general situation of PICC Fujian branch and the basic operation flow of vehicle insurance business. The main risks in vehicle insurance business are divided into two parts: internal risk and external risk. Further step by step detailed construction of five-level risk index system. The risk evaluation factors of vehicle insurance business are more complex and difficult to quantify. In this paper, the AHP method is used to determine the weight, the risk evaluation matrix is established, and the fuzzy comprehensive evaluation method is used to analyze and evaluate. The evaluation results of vehicle insurance business of PICC Fujian Branch are obtained. Finally, the paper puts forward the risk countermeasures to the vehicle insurance business of PICC Fujian Branch, including the external risk measures, such as accident rate, unit loss cost, market rate and sales cost, as well as the underwriting risk. The measure of internal risk, such as claim risk.
【学位授予单位】：福州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.634;F272.3
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本文编号：1957219