本文選題：壽險分公司 + 合規(guī)風(fēng)險��； 參考：《山東師范大學(xué)》2014年碩士論文

【摘要】：目前，在經(jīng)濟(jì)社會深化改革的大背景下，我國的保險業(yè)也進(jìn)入了深刻轉(zhuǎn)型的關(guān)鍵時期。長期以來，保險業(yè)在迅猛發(fā)展、持續(xù)擴(kuò)張的同時，一直存在粗放盲目的發(fā)展模式、非理性的市場競爭、管理薄弱、人員復(fù)雜、保險資源過度開發(fā)等問題，埋下了大量的風(fēng)險隱患，造成保險行業(yè)的社會聲譽(yù)不良，此外，由于保險業(yè)、保險公司自身管理不嚴(yán)格，非法集資、資金欺詐等違法違規(guī)行為也在大量向保險業(yè)滲透，嚴(yán)重制約了保險行業(yè)的進(jìn)一步發(fā)展，可以說保險行業(yè)已經(jīng)走入了“泥潭”。 對此，近年來保險監(jiān)管機(jī)構(gòu)不斷加大監(jiān)管處罰的力度，包括治理銷售誤導(dǎo)、客戶真實性檢查等頻出“重拳”，發(fā)現(xiàn)查處了大量的違法違規(guī)案件，給保險公司敲響了警鐘。保險公司大都也開始高度重視防范合規(guī)風(fēng)險，，并大力構(gòu)建合規(guī)風(fēng)險管理體系。但是由于我國保險行業(yè)合規(guī)風(fēng)險管理起步較晚，研究更多的是在口號、制度、檢查、文化等方面下功夫，相關(guān)的理論研究也多是定性的分析，多是在呼吁重視合規(guī)風(fēng)險,雖然部分研究能夠指出問題和提出措施，但缺乏可操作的工具和可量化的評價標(biāo)準(zhǔn)。 由于壽險行業(yè)的矛盾更多，管理半徑更多，從業(yè)人員更多，基層機(jī)構(gòu)更容易發(fā)生違法違規(guī)行為，因此本文以壽險分公司為對象，旨在構(gòu)建合規(guī)風(fēng)險管理評價體系，實現(xiàn)壽險分公司合規(guī)風(fēng)險狀況的量化評價，解決當(dāng)前合規(guī)風(fēng)險管理流于表面、缺乏管理工具的問題，從而有效加強(qiáng)保險企業(yè)的合規(guī)風(fēng)險管理，推動保險企業(yè)和保險行業(yè)健康發(fā)展。 本文首先研究合規(guī)風(fēng)險管理基本理論，為進(jìn)一步論述奠定了理論基礎(chǔ)，隨后，分析了中國保險業(yè)監(jiān)管和合規(guī)風(fēng)險管理狀況，并以太平洋壽險山東分公司為例，分析壽險分公司的合規(guī)風(fēng)險管理狀況，指出了保險業(yè)及保險公司合規(guī)風(fēng)險管理方面的問題不足和風(fēng)險點，并提出了合規(guī)風(fēng)險管理必須指標(biāo)化、體系化、量化、可評價的對策。由此，通過梳理監(jiān)管法律法規(guī)要求、保險企業(yè)內(nèi)部風(fēng)險點，結(jié)合筆者多年的合規(guī)風(fēng)險管理實踐經(jīng)驗并進(jìn)行專家調(diào)查，提煉、梳理出了壽險分公司合規(guī)風(fēng)險指標(biāo)及其定義、計算方式。本文的重點是通過層次分析法和問卷調(diào)查法計算合規(guī)風(fēng)險指標(biāo)的權(quán)重，并通過線性法和數(shù)學(xué)方法構(gòu)建構(gòu)合規(guī)風(fēng)險評價體系，保證了體系的科學(xué)性、邏輯性和嚴(yán)謹(jǐn)性。本文還選取部分壽險分公司的合規(guī)風(fēng)險指標(biāo)，運(yùn)用該體系進(jìn)行評價，并據(jù)此對總體情況和分公司的情況進(jìn)行了分析，此外，對于如何運(yùn)用該評價體系提出了建議。
[Abstract]:At present, under the background of deepening economic and social reform, China's insurance industry has also entered a crucial period of profound transformation. For a long time, with the rapid development and continuous expansion of the insurance industry, there have been some problems, such as extensive and blind development model, irrational market competition, weak management, complex personnel, over-exploitation of insurance resources, etc. A large number of hidden risks have been buried, resulting in bad social reputation in the insurance industry. In addition, due to the insurance industry, insurance companies themselves are not strictly managed, illegal fund-raising, fund fraud and other illegal acts are also infiltrating into the insurance industry in large numbers. Seriously restricted the further development of the insurance industry, it can be said that the insurance industry has entered the "quagmire." In this regard, in recent years, the insurance regulator has continuously increased the intensity of regulatory penalties, including the management of misleading sales, customer authenticity inspection and other frequent "heavy fist", found that a large number of illegal cases were investigated, sounded the alarm to insurance companies. Insurance companies also began to attach great importance to the prevention of compliance risks, and vigorously build compliance risk management system. However, due to the late start of compliance risk management in China's insurance industry, the research is more focused on slogans, systems, inspections, culture, and so on. The related theoretical studies are mostly qualitative analysis, and most of them are calling for attention to compliance risks. Although some studies can point out problems and propose measures, there is a lack of operational tools and quantifiable evaluation criteria. Because the life insurance industry has more contradictions, more management radius, more employees, more grass-roots organizations are more prone to illegal behavior, so this paper takes the life insurance branch as the object, in order to build compliance risk management evaluation system. To realize the quantitative evaluation of compliance risk status of life insurance branch, solve the problem that the current compliance risk management is superficial and lack of management tools, so as to effectively strengthen the compliance risk management of insurance enterprises, To promote the healthy development of insurance enterprises and the insurance industry. This paper first studies the basic theory of compliance risk management, which lays a theoretical foundation for further discussion. Then, it analyzes the regulation and compliance risk management of China's insurance industry, and takes Shandong Branch of Pacific Life Insurance as an example. This paper analyzes the compliance risk management situation of the life insurance branch, points out the problems and the risk points in the compliance risk management of the insurance industry and the insurance company, and puts forward the countermeasures that the compliance risk management must be indexed, systematized, quantified and evaluable. Thus, by combing the requirements of regulatory laws and regulations, internal risk points of insurance enterprises, combining the author's practical experience in compliance risk management for many years and carrying out expert investigation, the author sorted out the compliance risk index and its definition of life insurance branch. Method of calculation The emphasis of this paper is to calculate the weight of compliance risk index by analytic hierarchy process (AHP) and questionnaire survey, and to construct a compliance risk evaluation system by linear method and mathematical method, which ensures the scientific, logical and rigorous nature of the system. This article also selects some life insurance branch compliance risk index, uses this system to carry on the appraisal, and then has carried on the analysis to the overall situation and the branch company situation, in addition, has put forward the suggestion to how to use this appraisal system.
【學(xué)位授予單位】：山東師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.3;F272.3

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