项目风险管理在保险业务中的应用研究

发布时间：2018-06-29 17:26

本文选题：项目管理 + 保险公司　；参考：《青岛大学》2017年硕士论文

【摘要】：保险行业作为金融行业的重要一环,其在经营过程中面临的主要风险有市场风险、信用风险、投资风险、操作风险、流动性风险等,遇到的主要问题包括了投保人骗保,投资资本市场失败,偿付能力较弱,内部工作流程不够流畅以及风险管理体系较为落后等,未来我国的保险公司应当将项目管理理念与风险管理相结合,建立完善的规章制度,提高风险意识,吸引专业化人才,并以此为基础建立起适合我国保险公司生存发展的风险管理框架。项目风险管理是将保险公司的业务通过条线分类后,有针对性的利用项目管理方式实现的全过程风险管控。通过引用项目管理方法对我国保险公司进行风险的识别、评估、应对和监管可以有效的改进保险公司的风险管理能力。本文首先介绍了研究背景、研究意义等,对国内外学者的研究成果进行了梳理,总结了目前达成的共识和存在的争议。紧接着,对项目管理和风险管理等核心概念做出相关解释。根据保险公司业务项目风险管理的实际情况,进行了风险管理体系的构建,提出了风险识别、风险评估、风险应对以及风险监控四个风险管理环节。最后通过案例对保险业务进行研究,找出保险业务中的特殊风险因子,通过项目管理理论与保险公司的风险管理相结合,并通过保险业务项目风险管理应用提出完整的风险管理流程,帮助我国保险企业提高风险管理能力。
[Abstract]:As an important part of the financial industry, the insurance industry faces major risks in the course of operation, such as market risk, credit risk, investment risk, operational risk, liquidity risk, etc. The investment capital market fails, the solvency is weak, the internal work flow is not smooth and the risk management system is relatively backward. In the future, the insurance companies in our country should combine the project management concept with the risk management, and establish perfect rules and regulations. Improve risk consciousness, attract professional talents, and establish a risk management framework suitable for the survival and development of Chinese insurance companies. Project risk management is the whole process of risk management which can be realized by the project management method after the insurance company's business is classified by a line. The risk management ability of insurance companies can be effectively improved by using the project management method to identify, evaluate, deal with and supervise the risks of insurance companies in China. Firstly, this paper introduces the research background, significance and so on, summarizes the common understanding and the existing controversy of scholars at home and abroad. Then, the core concepts such as project management and risk management are explained. According to the actual situation of business project risk management of insurance company, this paper constructs the risk management system, and puts forward four risk management links: risk identification, risk assessment, risk response and risk monitoring. Finally, through the case study of insurance business, find out the special risk factors in insurance business, through the combination of project management theory and risk management of insurance companies, Through the application of risk management in insurance business project, a complete risk management process is put forward to help our insurance enterprises improve their risk management ability.
【学位授予单位】：青岛大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.3

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