本文關(guān)鍵詞： 承保利潤 市場占有率 賠付率 承保質(zhì)量　出處：《中南大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：摘要：財(cái)產(chǎn)保險(xiǎn)公司的承保利潤即是其主營業(yè)務(wù)利潤。保險(xiǎn)企業(yè)不同于一般的生產(chǎn)性和服務(wù)性企業(yè),其經(jīng)營和財(cái)務(wù)管理都體現(xiàn)著特殊金融企業(yè)的特征。我國財(cái)產(chǎn)保險(xiǎn)公司由于起步晚、經(jīng)營方式過于粗放,承保利潤較少,甚至多為虧損。A財(cái)險(xiǎn)公司是第二大國有財(cái)產(chǎn)保險(xiǎn)公司,A財(cái)險(xiǎn)湖南分公司成立于2005年6月,8年來公司業(yè)務(wù)發(fā)展較快,從年保費(fèi)4001萬到183590萬,保費(fèi)收入增加了45倍,但承保利潤提升卻十分緩慢。查找和分析承保利潤提升緩慢的原因,尋找提升承保利潤的對策成為A財(cái)險(xiǎn)湖南分公司最為迫切解決的問題。 本文是在對承保利潤的構(gòu)成及影響因素進(jìn)行分析的基礎(chǔ)上,提出財(cái)產(chǎn)保險(xiǎn)公司的承保管理、理賠管理、再保險(xiǎn)業(yè)務(wù)管理、資金管理等因素為影響承保利潤的主要因素。針對A財(cái)險(xiǎn)湖南分公司承保利潤提升實(shí)證性的研究。 本文首先分析了A財(cái)險(xiǎn)湖南分公司近幾年承保利潤的現(xiàn)狀及存在的問題,其次分析了該公司承保利潤提升緩慢的原因,最后,在分析公司經(jīng)營管理指標(biāo)數(shù)據(jù)的基礎(chǔ)上,提出了A財(cái)險(xiǎn)湖南分公司提升承保利潤的4大對策,包含優(yōu)化承保管理,強(qiáng)化理賠流程管理,加強(qiáng)再保險(xiǎn)業(yè)務(wù)管理,加強(qiáng)費(fèi)用管理,推行財(cái)務(wù)預(yù)算管理制度。通過上述四大提升對策來對承保經(jīng)營管理進(jìn)行闡述,來提升A財(cái)險(xiǎn)湖南分公司的承保利潤。
[Abstract]:Abstract: property insurance companies underwriting profit is the main business profit. The insurance enterprise is different from the general production and service enterprises, the business and financial management embodies the special characteristics of financial enterprises. China's property insurance companies due to the late start, mode of operation is too extensive, underwriting profit less, or even more for the loss of property.A is the second largest state-owned property insurance company, A insurance company Hunan branch was established in June 2005, 8 years of rapid development of the company's business, from 40 million 10 thousand to 1 billion 835 million 900 thousand years of premium, the premium income increased by 45 times, but the promotion is very slow. Poly run to find and analyze the reasons for the slow increase of underwriting profit, looking for promotion the Countermeasures of underwriting profit becomes the most urgent problem for A insurance company Hunan branch.
This paper is based on analysis of structure and influencing factors of the underwriting profit on claims management underwriting management, property insurance companies, reinsurance business management, fund management and other factors as the main factors influencing the underwriting profit. According to the A property insurance company of Hunan branch bearing poly enhance empirical research. Run
This paper first analyzes the status quo of the A insurance company of Hunan branch in recent years of underwriting profit and the existing problems, followed by analysis of the company's underwriting profit increase slow reason, finally, based on the analysis of management index data company, put forward the A property insurance company of Hunan branch to enhance 4 Countermeasures of underwriting profit, including optimizing underwriting management, strengthen the claims process management, strengthen reinsurance business management, strengthen cost management, the implementation of financial budget management system. Through the above four measures to enhance the management of underwriting is expounded, to enhance the A property insurance company of Hunan branch underwriting profit.

【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.3

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本文編號(hào)：1480164