本文選題：風(fēng)險管理　切入點(diǎn)：客戶價值管理　出處：《大連理工大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著人們保險意識不斷提高、收入逐步增加,中國的壽險行業(yè)目前正處于蓬勃發(fā)展階段。市場中各家壽險企業(yè)推陳出新利用各種傳播渠道激烈競爭目標(biāo)客戶,尤其是微信、微博等新興媒體為壽險企業(yè)擴(kuò)大保費(fèi)規(guī)模帶來巨大的機(jī)遇。 然而各壽險企業(yè)在不斷追求保費(fèi)收入的同時,遇到了一個無法避免的問題,即承保風(fēng)險加大,保單出險發(fā)生率超出精算產(chǎn)品定價預(yù)定范圍,使公司經(jīng)營陷入困境。因此,承保風(fēng)險的管理是維護(hù)壽險企業(yè)持續(xù)、穩(wěn)健經(jīng)營的關(guān)鍵。 本文在風(fēng)險管理理論的基礎(chǔ)上,采用案例研究的方法,從分析C人壽公司承保風(fēng)險管理的現(xiàn)狀和特點(diǎn)入手,對目前工作中存在的問題進(jìn)行深入的分析和研究,總結(jié)承保風(fēng)險管理漏洞。 從風(fēng)險選擇角度,以壽險業(yè)務(wù)管理流程為主題,根據(jù)風(fēng)險管理、客戶價值理論以及信息不對稱理論原理,結(jié)合C人壽公司實(shí)際情況,探索提出適合公司特點(diǎn)的、可行的承保風(fēng)險管理建議。從風(fēng)險識別能力入手,優(yōu)化客戶通知管理,并強(qiáng)化銷售人員風(fēng)險管控,從而提高承保風(fēng)險管理質(zhì)量,在保證公司經(jīng)營安全的基礎(chǔ)上,幫助公司在壽險市場中更具競爭力。
[Abstract]:With the increasing of people's insurance consciousness and increasing income, the life insurance industry in China is now in a stage of vigorous development. In the market, life insurance enterprises are taking advantage of various communication channels to compete intensely with their target customers, especially WeChat. Weibo and other emerging media for life insurance companies to expand the scale of insurance premiums bring huge opportunities. However, while pursuing premium income, every life insurance enterprise is confronted with an unavoidable problem, that is, the risk of insurance is increased, and the insurance risk rate exceeds the predetermined range of the pricing of actuarial products, which causes the company to run into a difficult position. The management of underwriting risk is the key to maintain the continuous and steady operation of life insurance enterprises. Based on the theory of risk management, this paper analyzes the current situation and characteristics of underwriting risk management in C Life Insurance Company by using the method of case study, and makes a deep analysis and research on the problems existing in the present work. Summarize underwriting risk management loopholes. From the angle of risk selection, taking the life insurance business management process as the theme, according to the risk management, customer value theory and information asymmetry theory principle, combined with the actual situation of C Life Insurance Company, this paper explores and puts forward suitable for the characteristics of the company. Feasible risk management advice. From the risk identification ability to optimize customer notification management, and strengthen the risk management of sales personnel, thereby improving the quality of underwriting risk management, on the basis of ensuring the safety of the company, Help companies become more competitive in the life insurance market.
【學(xué)位授予單位】：大連理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F272.3;F842.3

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本文編號：1637297