XX财产保险公司承保风险问题研究

发布时间：2018-12-10 22:18

【摘要】：近年来,国外大型财险保险公司纷纷进入中国市场。这些公司的进入,给我国财险市场注入了新鲜血液,增强了我国财险市场活力,重要的是,他们的进入,为我国财险业带来了最新的承保技术,先进的风险管控理念,对于我国财险业健康快速发展,起到了不可代替的作用。然而发展的背后仍然存在着巨大的现实问题,在很多基层公司承保展业过程中,风险管控观念依旧落后,只靠经验承保的现象十分普遍,这些都是需要行业不断研究改进的地方。和同为金融业的银行相比,财险公司的承保业务是其风险的集中聚集地。而与同为保险业的寿险业相比,财险公司的承保风险仍然突出表现在波动性大、损失规律不易把握,这是拉开寿险业和财险业利润及保费收入的重要原因,承保风险在财险公司的整体风险中占据着绝大部分的比重,这与财险公司的业务类型有着密不可分的关系。因此承保问题是财险公司风险管控的核心问题,是财险公司风险管控的切入点,是每一个公司不能回避的重大管理问题。人们对承保风险的直观认识来源于保险公司准备金的不足和保费的不足,这两个财务问题是承保风险在数据上的直观反映,前者产生随机风险因素和变化因素,后者则是因为错误的风险因素所造成。如何将诸多国外先进公司的承保理赔技术吸收消化,是我国财险公司需要考虑的问题,在这里,树立先进的与国际接轨的风险管理理念尤为重要,另外,实施科学的风险管理技术,使其在承保工作充分发挥应有的作用,也是我们需要不断思考的问题。因此,如何根据公司的偿付能力,并计算出公司赔付成本,在此基础上,了解公司具体业务情况,建立风险转移机制,是财险公司、保险市场、被保险人、及监管人面临的共同问题。将此问题解决好关系着财险公司的发展进步,考验着公司领导者的经营管理能力,也是学界探讨的重要问题。
[Abstract]:In recent years, foreign large property insurance companies have entered the Chinese market. The entry of these companies has injected fresh blood into our property insurance market and enhanced the vitality of our property insurance market. Importantly, their entry has brought the latest underwriting technology and advanced risk control concepts to the property insurance industry in our country. For China's property insurance industry healthy and rapid development, played an irreplaceable role. However, there are still huge practical problems behind the development. In the process of many grass-roots companies' underwriting and exhibition, the concept of risk control is still backward, and the phenomenon of only relying on experience to underwrite is very common. These are areas that require constant research and improvement in the industry. Compared with the banks in the financial industry, the underwriting business of the property insurance company is the centralized gathering place of its risk. Compared with the same life insurance industry, the underwriting risk of the property insurance company is still characterized by its high volatility and difficulty in grasping the loss law, which is the important reason for the profit and premium income of the life insurance industry and the property insurance industry. The underwriting risk accounts for most of the whole risk of the property insurance company, which is closely related to the business type of the property insurance company. Therefore, the underwriting problem is the core problem of the risk control of the property insurance company, the breakthrough point of the risk control of the property insurance company, and the important management problem that every company can not avoid. The direct understanding of underwriting risk comes from the deficiency of insurance company's reserve and the deficiency of insurance premium. These two financial problems are the direct reflection of underwriting risk in data, and the former produces random risk factors and variable factors. The latter is caused by the wrong risk factors. How to absorb and digest the insurance and claim technology of many foreign advanced companies is a problem that our property insurance companies need to consider. Here, it is particularly important to set up advanced risk management concepts that are in line with international standards. In addition, The implementation of scientific risk management technology to make it fully play its due role in the underwriting work is also a problem that we need to constantly think about. Therefore, according to the solvency of the company, and how to calculate the company's indemnity cost, on this basis, to understand the company's specific business situation, establish a risk transfer mechanism, is the property insurance company, the insurance market, the insured, And common problems facing regulators. To solve this problem is related to the development and progress of property insurance companies, test the management ability of company leaders, and is also an important issue discussed by academic circles.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.65

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