TA保险公司家庭财产保险发展因素分析与对策建议

发布时间：2018-07-26 19:09

【摘要】：家庭财产保险作为面向城镇居民家庭并以其住宅和物质财产为保险标的保险,是我国开展业务比较早的“老三险”之一,从1980年我国开始恢复保险业务以来就一直在持续发展中,曾经是财产保险中发展最快的一支险种,覆盖面之广、认可度之高,更是较为通俗易懂的骨干险种之一。随着我国经济水平的发展,人们生活水平日益提高,人们对于家庭财产保险的需求不断增大。据不完全统计,2002年对家庭财产保险有需求的家庭超过了70%,需求之迅猛让保险从业人员猝不及防。但是,现实却是残酷的,当时的保险行业无论是从保险广度还是保险的深度,家庭财产保险的开发与发展都不尽如人意,因此对我国家庭财产保险问题进行研究是十分必要的。本文以TA保险公司中心支公司对家庭财产保险的发展之路为基础,首先从理论角度对公司的管理控制规律进行深入的理论挖掘和系统归纳,探索可供中国企业集团直接学习和借鉴的集团管控理论应用模式；另一方面,更注重从“立足实践、探索实践、服务实践”的角度,以家庭财产保险供求双方作为研究对象,在总结TA保险公司在家庭财产保险的多年发展的基础上,通过问卷调查的方式,对辽宁省客户购买家庭财产保险意愿的实际调查分析,总结归纳制约TA财产保险公司家庭财产保险承保问题分析的因素,查找出TA保险公司在辽宁地区开展家庭财产保险过程中,为何家庭财产保险发展滞缓的根本原因,从而研究解决拓展家庭财产保险业务量的对策,实现TA保险公司未来的家庭财产保险业务快速健康发展。本文通过系统分析财产保险公司的风险管理流程及具体方法,一方面旨在提高财产保险公司风险管理的理念,提高财产保险公司的专业技术水准,从而提高其品牌价值和承保利润；另一方详细列举了很多关于财产保险公司风险管理的具体操作方法,从而使木文也具有较强的现实意义,能够为财产保险公司有效加强风险管理提供帮助。
[Abstract]:Family property insurance is one of the "three old risks" for the development of business in China, which is aimed at the families of urban residents and takes their residential and material property as the subject of insurance. Since 1980 our country began to resume the insurance business has been in the continuous development, was once in the property insurance the fastest development one kind of insurance, the coverage is wide, the recognition degree is high, is one of relatively easy to understand backbone insurance species. With the development of our country's economic level, people's living standard is improving day by day, and the demand for family property insurance is increasing. According to incomplete statistics, more than 70 families had a demand for family property insurance in 2002, and the rapid demand caught the insurance practitioners off guard. However, the reality is cruel. At that time, the development and development of family property insurance are not satisfactory, whether from the insurance breadth or the depth of insurance, so it is very necessary to study the problem of family property insurance in our country. Based on the development of the family property insurance in the central branch company of TA insurance company, this paper firstly analyzes the management and control law of the company from the theoretical angle, and systematically induces the management and control law of the company. On the other hand, from the perspective of "based on practice, exploring practice and serving practice", the author takes the supply and demand of family property insurance as the research object. On the basis of summarizing the development of family property insurance in TA insurance company for many years, through the way of questionnaire survey, this paper analyzes the actual investigation and analysis of customers' willingness to buy family property insurance in Liaoning Province. This paper summarizes and summarizes the factors restricting the analysis of the underwriting problems of family property insurance in TA property insurance company, and finds out the fundamental reasons why the family property insurance development of TA insurance company is slow in the process of carrying out family property insurance in Liaoning area. Thus, the countermeasures to expand the family property insurance business are studied to realize the rapid and healthy development of the family property insurance business of TA insurance company in the future. Through systematic analysis of the risk management process and specific methods of property insurance companies, on the one hand, the purpose of this paper is to improve the concept of risk management of property insurance companies and improve the professional and technical standards of property insurance companies. In order to improve its brand value and underwriting profit; the other side detailed enumerates a lot of specific operation methods about property insurance company risk management, thus makes the wooden text also have the stronger practical significance, To provide assistance to property insurance companies to effectively strengthen risk management.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.65

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