本文關(guān)鍵詞： 民安保險(xiǎn) 承保 風(fēng)險(xiǎn)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(gè)人開始研究和重視財(cái)險(xiǎn)公司承保的風(fēng)險(xiǎn)控制，加強(qiáng)核保核賠體系建設(shè)，控制財(cái)險(xiǎn)公司的業(yè)務(wù)風(fēng)險(xiǎn)。先進(jìn)的風(fēng)險(xiǎn)管理是通過制定風(fēng)險(xiǎn)管理規(guī)劃，實(shí)施現(xiàn)場風(fēng)險(xiǎn)查勘，撰寫風(fēng)險(xiǎn)查勘報(bào)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(xiǎn)評(píng)價(jià)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(xiǎn)管理技術(shù)，對(duì)于保險(xiǎn)公司甄別、選擇更優(yōu)質(zhì)的業(yè)務(wù)，避免保險(xiǎn)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(xiǎn)，本文以民安保險(xiǎn)為案例，對(duì)民安保險(xiǎn)承保的風(fēng)險(xiǎn)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(cái)險(xiǎn)公司主要經(jīng)營風(fēng)險(xiǎn)的成因，并對(duì)國內(nèi)外的研究進(jìn)行綜述。第二章對(duì)首先介紹民安保險(xiǎn)經(jīng)營現(xiàn)狀、保險(xiǎn)風(fēng)險(xiǎn)管理現(xiàn)狀，其次對(duì)承保風(fēng)險(xiǎn)進(jìn)行識(shí)別分析，包括識(shí)別的原則與方法、外部風(fēng)險(xiǎn)識(shí)別、內(nèi)部流程風(fēng)險(xiǎn)識(shí)別、業(yè)務(wù)板塊風(fēng)險(xiǎn)識(shí)別，最后，對(duì)民安保險(xiǎn)風(fēng)險(xiǎn)進(jìn)行綜合評(píng)價(jià)。第三章提出了民安保險(xiǎn)承保風(fēng)險(xiǎn)的優(yōu)化措施及策略，從風(fēng)險(xiǎn)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(gè)方面進(jìn)行優(yōu)化。最后，為保證民安保險(xiǎn)風(fēng)險(xiǎn)控制優(yōu)化的有效實(shí)施，針對(duì)性的提出了人才隊(duì)伍建設(shè)、問責(zé)與獎(jiǎng)勵(lì)相結(jié)合、分級(jí)授權(quán)、完善業(yè)務(wù)流程等實(shí)施保障。 通過對(duì)民安保險(xiǎn)承保的風(fēng)險(xiǎn)控制的研究和相關(guān)策略制定，對(duì)公司的長遠(yuǎn)發(fā)展有重大的實(shí)際意義，并對(duì)其他從事保險(xiǎn)或金融行業(yè)其它的類型企業(yè)有一定參考價(jià)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(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.3

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