本文關(guān)鍵詞： 民安保險 承保 風(fēng)險控制 優(yōu)化　出處：《湖南大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：目前，越來越多的機(jī)構(gòu)和個人開始研究和重視財險公司承保的風(fēng)險控制，加強(qiáng)核保核賠體系建設(shè)，控制財險公司的業(yè)務(wù)風(fēng)險。先進(jìn)的風(fēng)險管理是通過制定風(fēng)險管理規(guī)劃，實(shí)施現(xiàn)場風(fēng)險查勘，撰寫風(fēng)險查勘報告等一系列工作，為核保人員收集詳實(shí)的承保標(biāo)的，提供科學(xué)的風(fēng)險評價建議及意見，成為核保的基礎(chǔ)信息來源和重要技術(shù)支撐。因此，著力培育和改進(jìn)風(fēng)險管理技術(shù)，對于保險公司甄別、選擇更優(yōu)質(zhì)的業(yè)務(wù)，避免保險公司流程和人員上存在的問題有著重要意義。 作者就職于民安保險，本文以民安保險為案例，對民安保險承保的風(fēng)險控制進(jìn)行了分析。首先，從國內(nèi)外的相關(guān)理論入手，分析財險公司主要經(jīng)營風(fēng)險的成因，并對國內(nèi)外的研究進(jìn)行綜述。第二章對首先介紹民安保險經(jīng)營現(xiàn)狀、保險風(fēng)險管理現(xiàn)狀，其次對承保風(fēng)險進(jìn)行識別分析，包括識別的原則與方法、外部風(fēng)險識別、內(nèi)部流程風(fēng)險識別、業(yè)務(wù)板塊風(fēng)險識別，最后，對民安保險風(fēng)險進(jìn)行綜合評價。第三章提出了民安保險承保風(fēng)險的優(yōu)化措施及策略，從風(fēng)險管控目標(biāo)設(shè)定、組織模式設(shè)計(jì)、內(nèi)控體系設(shè)計(jì)、業(yè)務(wù)結(jié)構(gòu)調(diào)整幾個方面進(jìn)行優(yōu)化。最后，為保證民安保險風(fēng)險控制優(yōu)化的有效實(shí)施，針對性的提出了人才隊(duì)伍建設(shè)、問責(zé)與獎勵相結(jié)合、分級授權(quán)、完善業(yè)務(wù)流程等實(shí)施保障。 通過對民安保險承保的風(fēng)險控制的研究和相關(guān)策略制定，對公司的長遠(yuǎn)發(fā)展有重大的實(shí)際意義，并對其他從事保險或金融行業(yè)其它的類型企業(yè)有一定參考價值。
[Abstract]:At present, more and more institutions and individuals have begun to study and attach importance to the risk control of property insurance companies, strengthen the construction of the insurance and indemnity system, and control the business risks of property insurance companies. Advanced risk management is through the formulation of risk management plans. To carry out a series of work, such as carrying out on-site risk survey and writing risk survey report, providing scientific risk assessment suggestions and opinions for the insured personnel to collect detailed underwriting targets, and become the basic information source and important technical support for the nuclear insurance. It is of great significance to cultivate and improve the risk management technology for insurance companies to identify, select more high-quality business and avoid the problems in the process and personnel of insurance companies. The author works for Minan Insurance. This paper takes Minan Insurance as a case to analyze the risk control of Minan Insurance underwriting. Firstly, starting with the relevant theories at home and abroad, this paper analyzes the causes of the main operating risks of property insurance companies. The second chapter introduces the current situation of insurance management, insurance risk management, and then analyzes the underwriting risk, including the principles and methods of identification, external risk identification. Internal process risk identification, business sector risk identification, and finally, comprehensive evaluation of Minan Insurance risk. Chapter three puts forward the optimization measures and strategies of Minan Insurance underwriting risk, from risk control goal setting, organization model design, The design of internal control system and the adjustment of business structure are optimized in several aspects. Finally, in order to ensure the effective implementation of the risk control optimization of Minan Insurance, the author puts forward the construction of talent team, the combination of accountability and reward, and the authorization of different levels. Improve business processes and other implementation protection. Through the research on the risk control of insurance underwriting and the formulation of relevant strategies, it is of great practical significance to the long-term development of the company, and also has certain reference value to other types of enterprises engaged in insurance or financial industry.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.3

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 趙蕾;張慶洪;;新巴塞爾協(xié)議對保險企業(yè)操作風(fēng)險管理的啟示[J];商業(yè)研究;2006年23期

2 張君;論我國保險公司的風(fēng)險管理[J];保險研究;2003年03期

3 吳定富;;全面落實(shí)科學(xué)發(fā)展觀 加強(qiáng)監(jiān)管 防范風(fēng)險 努力開創(chuàng)保險監(jiān)管工作新局面[J];保險研究;2008年08期

4 孫潔;賈波;;壽險理賠管理中的風(fēng)險控制與風(fēng)險防范問題探析[J];保險研究;2008年08期

5 蒲海成;;中國保險業(yè)改革發(fā)展的制度分析[J];保險研究;2008年11期

6 王林清;;保險業(yè)的政府監(jiān)管和內(nèi)部監(jiān)督[J];保險研究;2008年12期

7 王銀成;;理賠風(fēng)險防范探析[J];保險研究;2009年05期

8 范躍;;新興財險公司風(fēng)險成因分析及應(yīng)對措施[J];保險研究;2009年07期

9 李玲;陳任武;;風(fēng)險導(dǎo)向內(nèi)部審計(jì)在現(xiàn)代企業(yè)中的作用分析——兼論風(fēng)險導(dǎo)向內(nèi)部審計(jì)的特點(diǎn)[J];財會通訊(學(xué)術(shù)版);2006年12期

10 王林清;楊心忠;;保險代位求償權(quán)行使限制理論問題研究[J];法律適用;2011年05期

，

本文編號：1500845