M保险公司寿险业务操作风险管理研究

发布时间：2018-06-24 15:30

本文选题：操作风险 + 寿险业务　；参考：《兰州大学》2013年硕士论文

【摘要】：随着我国保险业的迅速发展,保险市场的竞争也日趋激烈,各个保险公司的全面风险管理能力已成为其核心竞争力,决定着保险企业的生存与发展。然而,近年来频繁发生的操作风险事件,使保险公司认识到操作风险已经成为制约公司发展的主要风险之一,因而如何加强对操作风险的有效管理,提高企业的抗风险能力,对保险企业能否长期稳健的发展至关重要。本文选取M保险公司作为研究对象,通过深入分析M保险公司寿险业务操作风险管理方面存在的主要问题,结合全面风险管理等相关理论,提出了相应具体的解决对策。本文首先借鉴了巴塞尔协议对操作风险的定义,阐述传统风险管理理论及其局限性,从而引入coso全面风险管理框架等相关理论,然后通过这些理论支撑对M公司的寿险业务操作风险管理现状进行总结分析,梳理出M公司存在的一些主要问题。在分析中发现M公司操作风险的风险评估体系不健全,故尝试构建了M公司操作风险评估体系,通过定性与定量的评估方法发现M公司在操作风险管理方面还存在着一些具体的薄弱环节。最后根据全面风险管理理论,结合M公司操作风险的实际情况,提出了落实全面风险管理体系、推动内部控制管理操作风险、建立完备的风险管理信息系统、加强操作风险管理文化培育及风险管理专业人力资本积累等具体对策及建议。本文的研究成果对M保险公司寿险业务操作风险管理将有一定的现实意义,且M公司在操作风险方面存在的问题在国内保险业中具有普遍性,从而对同类企业也有一定的借鉴意义。
[Abstract]:With the rapid development of China's insurance industry, the competition in the insurance market is becoming increasingly fierce. The comprehensive risk management ability of each insurance company has become its core competitiveness, which determines the survival and development of insurance enterprises. However, the frequent operational risk events in recent years make the insurance company realize that the operational risk has become one of the main risks restricting the development of the company, so how to strengthen the effective management of the operational risk and improve the anti-risk ability of the enterprise. It is very important for insurance companies to develop steadily in the long-term. This paper selects M insurance company as the research object, through in-depth analysis of the main problems existing in the operation risk management of life insurance business of M insurance company, combined with related theories such as overall risk management, puts forward the corresponding specific solutions. In this paper, we first draw lessons from the definition of operational risk in the Basel Accord, expound the traditional risk management theory and its limitations, and then introduce the coso comprehensive risk management framework and other related theories. Then through these theoretical support to M company's life insurance operation risk management status quo is summarized and analyzed to sort out some of the main problems of M company. In the analysis, we found that M Company's operational risk assessment system is not perfect, so we try to construct M Company's operational risk assessment system. Through qualitative and quantitative evaluation methods, it is found that M Company still has some specific weaknesses in operational risk management. Finally, according to the theory of overall risk management and the actual situation of operational risk in M Company, the paper puts forward the implementation of comprehensive risk management system, promotes internal control management of operational risk, and establishes a complete risk management information system. To strengthen the cultivation of operational risk management culture and the accumulation of human capital in risk management specialty. The research results of this paper will have certain practical significance to the operation risk management of life insurance business of M insurance company, and the problems existing in the operation risk of M company are universal in the domestic insurance industry. Thus to the same kind of enterprise also has certain reference significance.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3

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