中国人寿辽宁分公司承保风险管理问题及对策研究
发布时间：2018-08-16 16:27
【摘要】：目前,中国保险业的发展进入了低潮期,保险公司投资收益率迅速下滑,曾经辉煌的投资业务不复存在。在这一现实局面下,国内保险公司开始将发展重心放在增加承保收益上,这就使保险公司的承保风险管理变得尤为重要。本文在这一背景下对中国人寿辽宁分公司(以下简称辽宁人寿)承保风险管理问题及对策进行研究,一方面有助于丰富现有的保险公司承保风险管理的理论与方法,另一方面本文所提出的对策建议切合辽宁人寿工作实际,可以有效地提高承保风险管理水平,从而提高其承保收益。本文主要研究内容如下：(1)辽宁人寿承保风险的管理现状与存在问题分析。这部分内容主要通过对辽宁人寿目前的业务运行流程的分析找出存在的问题,进而为下一步系统性地对问题进行成因分析提供基础素材。(2)辽宁人寿承保风险管理问题的成因分析。这部分内容在对辽宁人寿的承保风险的问题分析的基础上,对其产生原因进行系统性地分析,包括保险代理人销售行为规范性较差的成因分析、核保效率连年下降的成因和重大疾病类保险出险率过高的原因分析等。通过对辽宁人寿承保风险管理问题的成因分析为下一步有针对性地提出辽宁人寿承保风险管理的对策建议提供具有可操作性的支撑。(3)提出了辽宁人寿承保风险管理问题的对策建议。通过借鉴国内外同类企业的先进管理经验以及针对辽宁人寿承保风险管理存在的具体问题,提出了辽宁人寿承保风险管理问题的对策建议,包括建立基于营销员体制改革的保险代理人诚信评价体系、完善核保人员绩效考核机制、改进重大疾病类保险的核保规则、加强生存调查力度和建立黑灰名单管理制度等。通过对辽宁人寿承保风险管理问题与对策的研究,得出具有较强针对性和应用参考价值的结论。希望本文的研究能够为辽宁人寿承保风险管理体系建设方面提供一些启发。
[Abstract]:At present, the development of China's insurance industry has entered a period of decline, insurance companies' investment returns rapidly decline, once brilliant investment business no longer exist. In this realistic situation, domestic insurance companies begin to focus on increasing the underwriting income, which makes the underwriting risk management of insurance companies become particularly important. In this context, this paper studies the underwriting risk management problems and countermeasures of China Life Insurance Company in Liaoning Branch. On the one hand, it is helpful to enrich the theory and methods of underwriting risk management of insurance companies. On the other hand, the countermeasures and suggestions proposed in this paper are suitable for Liaoning Life Insurance and can effectively improve the level of underwriting risk management and thus increase its underwriting income. The main contents of this paper are as follows: (1) the current situation and problems of Liaoning Life Insurance risk management. This part of the content mainly through the analysis of Liaoning Life Insurance's current business operation process to find out the existing problems, Then it provides the basic material for the further systematic analysis of the causes of the problem. (2) the cause analysis of Liaoning Life Insurance risk Management problem. Based on the analysis of the underwriting risk of Liaoning Life Insurance Company, this part systematically analyzes the causes, including the causes of the poor normative behavior of insurance agents. The causes of annual decline in the efficiency of nuclear insurance and the causes of excessive risk rate of major diseases are analyzed. Based on the analysis of the causes of Liaoning Life underwriting risk Management, this paper provides operable support for the next step of Liaoning Life Insurance risk Management. (3) the Liaoning Life Insurance risk Management is put forward. Countermeasures and suggestions for solving problems. Based on the advanced management experience of similar enterprises at home and abroad and the concrete problems existing in Liaoning Life Insurance risk Management, the countermeasures and suggestions of Liaoning Life Insurance risk Management are put forward. It includes establishing the insurance agent credit evaluation system based on the marketer system reform, perfecting the performance appraisal mechanism of the insurance personnel, improving the insurance rules of the major disease insurance, strengthening the survival investigation and establishing the black and grey list management system, etc. Based on the study of the problems and countermeasures of Liaoning Life Insurance risk Management, the conclusions with strong pertinence and application reference value are obtained. Hope this study can provide some inspiration for Liaoning Life Insurance risk management system construction.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3;F272.3
本文编号：2186532
[Abstract]:At present, the development of China's insurance industry has entered a period of decline, insurance companies' investment returns rapidly decline, once brilliant investment business no longer exist. In this realistic situation, domestic insurance companies begin to focus on increasing the underwriting income, which makes the underwriting risk management of insurance companies become particularly important. In this context, this paper studies the underwriting risk management problems and countermeasures of China Life Insurance Company in Liaoning Branch. On the one hand, it is helpful to enrich the theory and methods of underwriting risk management of insurance companies. On the other hand, the countermeasures and suggestions proposed in this paper are suitable for Liaoning Life Insurance and can effectively improve the level of underwriting risk management and thus increase its underwriting income. The main contents of this paper are as follows: (1) the current situation and problems of Liaoning Life Insurance risk management. This part of the content mainly through the analysis of Liaoning Life Insurance's current business operation process to find out the existing problems, Then it provides the basic material for the further systematic analysis of the causes of the problem. (2) the cause analysis of Liaoning Life Insurance risk Management problem. Based on the analysis of the underwriting risk of Liaoning Life Insurance Company, this part systematically analyzes the causes, including the causes of the poor normative behavior of insurance agents. The causes of annual decline in the efficiency of nuclear insurance and the causes of excessive risk rate of major diseases are analyzed. Based on the analysis of the causes of Liaoning Life underwriting risk Management, this paper provides operable support for the next step of Liaoning Life Insurance risk Management. (3) the Liaoning Life Insurance risk Management is put forward. Countermeasures and suggestions for solving problems. Based on the advanced management experience of similar enterprises at home and abroad and the concrete problems existing in Liaoning Life Insurance risk Management, the countermeasures and suggestions of Liaoning Life Insurance risk Management are put forward. It includes establishing the insurance agent credit evaluation system based on the marketer system reform, perfecting the performance appraisal mechanism of the insurance personnel, improving the insurance rules of the major disease insurance, strengthening the survival investigation and establishing the black and grey list management system, etc. Based on the study of the problems and countermeasures of Liaoning Life Insurance risk Management, the conclusions with strong pertinence and application reference value are obtained. Hope this study can provide some inspiration for Liaoning Life Insurance risk management system construction.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3;F272.3
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