發(fā)布時(shí)間：2018-07-26 19:09

【摘要】：家庭財(cái)產(chǎn)保險(xiǎn)作為面向城鎮(zhèn)居民家庭并以其住宅和物質(zhì)財(cái)產(chǎn)為保險(xiǎn)標(biāo)的保險(xiǎn),是我國(guó)開(kāi)展業(yè)務(wù)比較早的“老三險(xiǎn)”之一,從1980年我國(guó)開(kāi)始恢復(fù)保險(xiǎn)業(yè)務(wù)以來(lái)就一直在持續(xù)發(fā)展中,曾經(jīng)是財(cái)產(chǎn)保險(xiǎn)中發(fā)展最快的一支險(xiǎn)種,覆蓋面之廣、認(rèn)可度之高,更是較為通俗易懂的骨干險(xiǎn)種之一。隨著我國(guó)經(jīng)濟(jì)水平的發(fā)展,人們生活水平日益提高,人們對(duì)于家庭財(cái)產(chǎn)保險(xiǎn)的需求不斷增大。據(jù)不完全統(tǒng)計(jì),2002年對(duì)家庭財(cái)產(chǎn)保險(xiǎn)有需求的家庭超過(guò)了70%,需求之迅猛讓保險(xiǎn)從業(yè)人員猝不及防。但是,現(xiàn)實(shí)卻是殘酷的,當(dāng)時(shí)的保險(xiǎn)行業(yè)無(wú)論是從保險(xiǎn)廣度還是保險(xiǎn)的深度,家庭財(cái)產(chǎn)保險(xiǎn)的開(kāi)發(fā)與發(fā)展都不盡如人意,因此對(duì)我國(guó)家庭財(cái)產(chǎn)保險(xiǎn)問(wèn)題進(jìn)行研究是十分必要的。本文以TA保險(xiǎn)公司中心支公司對(duì)家庭財(cái)產(chǎn)保險(xiǎn)的發(fā)展之路為基礎(chǔ),首先從理論角度對(duì)公司的管理控制規(guī)律進(jìn)行深入的理論挖掘和系統(tǒng)歸納,探索可供中國(guó)企業(yè)集團(tuán)直接學(xué)習(xí)和借鑒的集團(tuán)管控理論應(yīng)用模式；另一方面,更注重從“立足實(shí)踐、探索實(shí)踐、服務(wù)實(shí)踐”的角度,以家庭財(cái)產(chǎn)保險(xiǎn)供求雙方作為研究對(duì)象,在總結(jié)TA保險(xiǎn)公司在家庭財(cái)產(chǎn)保險(xiǎn)的多年發(fā)展的基礎(chǔ)上,通過(guò)問(wèn)卷調(diào)查的方式,對(duì)遼寧省客戶購(gòu)買(mǎi)家庭財(cái)產(chǎn)保險(xiǎn)意愿的實(shí)際調(diào)查分析,總結(jié)歸納制約TA財(cái)產(chǎn)保險(xiǎn)公司家庭財(cái)產(chǎn)保險(xiǎn)承保問(wèn)題分析的因素,查找出TA保險(xiǎn)公司在遼寧地區(qū)開(kāi)展家庭財(cái)產(chǎn)保險(xiǎn)過(guò)程中,為何家庭財(cái)產(chǎn)保險(xiǎn)發(fā)展滯緩的根本原因,從而研究解決拓展家庭財(cái)產(chǎn)保險(xiǎn)業(yè)務(wù)量的對(duì)策,實(shí)現(xiàn)TA保險(xiǎn)公司未來(lái)的家庭財(cái)產(chǎn)保險(xiǎn)業(yè)務(wù)快速健康發(fā)展。本文通過(guò)系統(tǒng)分析財(cái)產(chǎn)保險(xiǎn)公司的風(fēng)險(xiǎn)管理流程及具體方法,一方面旨在提高財(cái)產(chǎn)保險(xiǎn)公司風(fēng)險(xiǎn)管理的理念,提高財(cái)產(chǎn)保險(xiǎn)公司的專業(yè)技術(shù)水準(zhǔn),從而提高其品牌價(jià)值和承保利潤(rùn)；另一方詳細(xì)列舉了很多關(guān)于財(cái)產(chǎn)保險(xiǎn)公司風(fēng)險(xiǎn)管理的具體操作方法,從而使木文也具有較強(qiáng)的現(xiàn)實(shí)意義,能夠?yàn)樨?cái)產(chǎn)保險(xiǎn)公司有效加強(qiáng)風(fēng)險(xiǎn)管理提供幫助。
[Abstract]:Family property insurance is one of the "three old risks" for the development of business in China, which is aimed at the families of urban residents and takes their residential and material property as the subject of insurance. Since 1980 our country began to resume the insurance business has been in the continuous development, was once in the property insurance the fastest development one kind of insurance, the coverage is wide, the recognition degree is high, is one of relatively easy to understand backbone insurance species. With the development of our country's economic level, people's living standard is improving day by day, and the demand for family property insurance is increasing. According to incomplete statistics, more than 70 families had a demand for family property insurance in 2002, and the rapid demand caught the insurance practitioners off guard. However, the reality is cruel. At that time, the development and development of family property insurance are not satisfactory, whether from the insurance breadth or the depth of insurance, so it is very necessary to study the problem of family property insurance in our country. Based on the development of the family property insurance in the central branch company of TA insurance company, this paper firstly analyzes the management and control law of the company from the theoretical angle, and systematically induces the management and control law of the company. On the other hand, from the perspective of "based on practice, exploring practice and serving practice", the author takes the supply and demand of family property insurance as the research object. On the basis of summarizing the development of family property insurance in TA insurance company for many years, through the way of questionnaire survey, this paper analyzes the actual investigation and analysis of customers' willingness to buy family property insurance in Liaoning Province. This paper summarizes and summarizes the factors restricting the analysis of the underwriting problems of family property insurance in TA property insurance company, and finds out the fundamental reasons why the family property insurance development of TA insurance company is slow in the process of carrying out family property insurance in Liaoning area. Thus, the countermeasures to expand the family property insurance business are studied to realize the rapid and healthy development of the family property insurance business of TA insurance company in the future. Through systematic analysis of the risk management process and specific methods of property insurance companies, on the one hand, the purpose of this paper is to improve the concept of risk management of property insurance companies and improve the professional and technical standards of property insurance companies. In order to improve its brand value and underwriting profit; the other side detailed enumerates a lot of specific operation methods about property insurance company risk management, thus makes the wooden text also have the stronger practical significance, To provide assistance to property insurance companies to effectively strengthen risk management.
【學(xué)位授予單位】：東北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.65

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