本文選題：壽險公司　切入點：保險代理　出處：《廣西大學》2014年碩士論文　論文類型：學位論文

【摘要】：自一九七九年開始,保險業(yè)在中國發(fā)展進入新的階段,我國保險公司全面恢復國內(nèi)業(yè)務,其業(yè)務在國內(nèi)獲得了極大發(fā)展。保險代理機構作為聯(lián)系保險人與投保人之間的紐帶,極大地補充、拓展了保險公司的展業(yè)渠道,降低了保險公司的展業(yè)成本,積極為廣大投保人提供了多元化的保險服務,充分實現(xiàn)了保險公司、保險代理機構和投保人的共贏,為保險市場的繁榮壯大、完善市場體制和服務經(jīng)濟社會發(fā)展等方面發(fā)揮了積極作用。 保險代理機構業(yè)務飛速的發(fā)展的同時,壽險公司代理機構業(yè)務操作風險逐漸顯現(xiàn)。2013年,發(fā)生的上海泛鑫保險代理公司美女高管陳怡攜巨款外逃事件震驚業(yè)內(nèi)外,給與其合作的壽險公司帶來了難以估量的損失。該案件暴露了壽險公司對于代理機構業(yè)務操作風險管理的缺失,向人們再一次敲響了壽險公司保險代理機構業(yè)務風險防范的警鐘。 從很早開始,人類就意識到企業(yè)的經(jīng)營活動必然伴隨著風險,以經(jīng)營風險為主營業(yè)務的保險業(yè)也因此而誕生。在經(jīng)濟較為發(fā)達的國家,學術界和各大型企業(yè)均對企業(yè)經(jīng)營所面臨的風險和管理手段進行了積極的研究和探索,風險管理理論的研究得到了日新月異的發(fā)展,從傳統(tǒng)風險管理已經(jīng)過渡到了全面風險管理的階段。但對于保險企業(yè)風險管理的研究,尤其是壽險公司操作風險的研究,不論國內(nèi)還是國外都是從近十余年才開始起步,針對保險代理機構業(yè)務操作風險的研究更是十分匱乏。而在現(xiàn)實中,壽險公司代理機構業(yè)務操作風險事件頻發(fā),造成了巨大的經(jīng)濟損失和企業(yè)聲譽損失,又凸顯了對保險代理機構業(yè)務操作風險管理研究的緊迫性和必要性。筆者認為在基礎數(shù)據(jù)和實踐經(jīng)驗缺乏的前提下,參考銀行業(yè)等行業(yè)操作風險計量的模型對風險進行評估,以計提經(jīng)濟資本的方式對保險代理機構業(yè)務操作風險進行管理缺乏科學性、有效性,而分析保險代理機構業(yè)務操作風險的特殊性、現(xiàn)實管理存在的問題和產(chǎn)生問題的原因,提出具有針對性的對策,更有理論研究意義和現(xiàn)實指導意義。
[Abstract]:Since 1979, the insurance industry has entered a new stage of development in China. Our country's insurance companies have fully resumed their domestic business, and their business has been greatly developed in China. The insurance agency acts as a link between the insurer and the policyholder. In addition, it has greatly expanded the channels for the development of insurance companies, reduced the costs of insurance companies, actively provided diversified insurance services to the broad masses of policy holders, and fully realized the win-win situation of insurance companies, insurance agencies and policy holders. For the prosperity of the insurance market, improve the market system and serve the economic and social development has played a positive role. With the rapid development of insurance agency business, the operational risk of agency business of life insurance company is gradually emerging. On 2013, Chen Yi, a beautiful executive of Shanghai Pan Xin Insurance Agency, shocked the industry and the outside of the industry by carrying a huge amount of money out of the country. The life insurance company that cooperated with it suffered incalculable losses. The case exposed the lack of operational risk management in the agency's operations. Once again sounded to people life insurance agency business risk prevention alarm. From very early on, human beings realized that the business activities of enterprises must be accompanied by risks, and the insurance industry, whose main business was risk management, was born as a result. The academic circles and each large enterprise have carried on the active research and the exploration to the risk and the management method which the enterprise management faces, the risk management theory research has obtained the development with each passing day. From traditional risk management to comprehensive risk management, however, the study of risk management in insurance enterprises, especially the study of operational risk of life insurance companies, has only started in the past ten years, both at home and abroad. The research on the operational risk of insurance agency business is very scarce. In reality, life insurance company agency business operation risk events occur frequently, resulting in huge economic losses and corporate reputation losses. It also highlights the urgency and necessity of the study on operational risk management of insurance agency business. The author thinks that under the premise of lack of basic data and practical experience, the risk is evaluated by referring to the model of operational risk measurement in banking and other industries. It is not scientific and effective to manage the operational risk of insurance agency business in the way of economic capital, but the particularity of the operation risk of insurance agency business, the problems existing in the real management and the causes of the problems are analyzed. It is of theoretical and practical significance to put forward targeted countermeasures.
【學位授予單位】：廣西大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F272.3;F842.3

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本文編號：1612215