發(fā)布時(shí)間：2018-08-16 16:27

【摘要】：目前,中國(guó)保險(xiǎn)業(yè)的發(fā)展進(jìn)入了低潮期,保險(xiǎn)公司投資收益率迅速下滑,曾經(jīng)輝煌的投資業(yè)務(wù)不復(fù)存在。在這一現(xiàn)實(shí)局面下,國(guó)內(nèi)保險(xiǎn)公司開始將發(fā)展重心放在增加承保收益上,這就使保險(xiǎn)公司的承保風(fēng)險(xiǎn)管理變得尤為重要。本文在這一背景下對(duì)中國(guó)人壽遼寧分公司(以下簡(jiǎn)稱遼寧人壽)承保風(fēng)險(xiǎn)管理問題及對(duì)策進(jìn)行研究,一方面有助于豐富現(xiàn)有的保險(xiǎn)公司承保風(fēng)險(xiǎn)管理的理論與方法,另一方面本文所提出的對(duì)策建議切合遼寧人壽工作實(shí)際,可以有效地提高承保風(fēng)險(xiǎn)管理水平,從而提高其承保收益。本文主要研究?jī)?nèi)容如下：(1)遼寧人壽承保風(fēng)險(xiǎn)的管理現(xiàn)狀與存在問題分析。這部分內(nèi)容主要通過對(duì)遼寧人壽目前的業(yè)務(wù)運(yùn)行流程的分析找出存在的問題,進(jìn)而為下一步系統(tǒng)性地對(duì)問題進(jìn)行成因分析提供基礎(chǔ)素材。(2)遼寧人壽承保風(fēng)險(xiǎn)管理問題的成因分析。這部分內(nèi)容在對(duì)遼寧人壽的承保風(fēng)險(xiǎn)的問題分析的基礎(chǔ)上,對(duì)其產(chǎn)生原因進(jìn)行系統(tǒng)性地分析,包括保險(xiǎn)代理人銷售行為規(guī)范性較差的成因分析、核保效率連年下降的成因和重大疾病類保險(xiǎn)出險(xiǎn)率過高的原因分析等。通過對(duì)遼寧人壽承保風(fēng)險(xiǎn)管理問題的成因分析為下一步有針對(duì)性地提出遼寧人壽承保風(fēng)險(xiǎn)管理的對(duì)策建議提供具有可操作性的支撐。(3)提出了遼寧人壽承保風(fēng)險(xiǎn)管理問題的對(duì)策建議。通過借鑒國(guó)內(nèi)外同類企業(yè)的先進(jìn)管理經(jīng)驗(yàn)以及針對(duì)遼寧人壽承保風(fēng)險(xiǎn)管理存在的具體問題,提出了遼寧人壽承保風(fēng)險(xiǎn)管理問題的對(duì)策建議,包括建立基于營(yíng)銷員體制改革的保險(xiǎn)代理人誠(chéng)信評(píng)價(jià)體系、完善核保人員績(jī)效考核機(jī)制、改進(jìn)重大疾病類保險(xiǎn)的核保規(guī)則、加強(qiáng)生存調(diào)查力度和建立黑灰名單管理制度等。通過對(duì)遼寧人壽承保風(fēng)險(xiǎn)管理問題與對(duì)策的研究,得出具有較強(qiáng)針對(duì)性和應(yīng)用參考價(jià)值的結(jié)論。希望本文的研究能夠?yàn)檫|寧人壽承保風(fēng)險(xiǎn)管理體系建設(shè)方面提供一些啟發(fā)。
[Abstract]:At present, the development of China's insurance industry has entered a period of decline, insurance companies' investment returns rapidly decline, once brilliant investment business no longer exist. In this realistic situation, domestic insurance companies begin to focus on increasing the underwriting income, which makes the underwriting risk management of insurance companies become particularly important. In this context, this paper studies the underwriting risk management problems and countermeasures of China Life Insurance Company in Liaoning Branch. On the one hand, it is helpful to enrich the theory and methods of underwriting risk management of insurance companies. On the other hand, the countermeasures and suggestions proposed in this paper are suitable for Liaoning Life Insurance and can effectively improve the level of underwriting risk management and thus increase its underwriting income. The main contents of this paper are as follows: (1) the current situation and problems of Liaoning Life Insurance risk management. This part of the content mainly through the analysis of Liaoning Life Insurance's current business operation process to find out the existing problems, Then it provides the basic material for the further systematic analysis of the causes of the problem. (2) the cause analysis of Liaoning Life Insurance risk Management problem. Based on the analysis of the underwriting risk of Liaoning Life Insurance Company, this part systematically analyzes the causes, including the causes of the poor normative behavior of insurance agents. The causes of annual decline in the efficiency of nuclear insurance and the causes of excessive risk rate of major diseases are analyzed. Based on the analysis of the causes of Liaoning Life underwriting risk Management, this paper provides operable support for the next step of Liaoning Life Insurance risk Management. (3) the Liaoning Life Insurance risk Management is put forward. Countermeasures and suggestions for solving problems. Based on the advanced management experience of similar enterprises at home and abroad and the concrete problems existing in Liaoning Life Insurance risk Management, the countermeasures and suggestions of Liaoning Life Insurance risk Management are put forward. It includes establishing the insurance agent credit evaluation system based on the marketer system reform, perfecting the performance appraisal mechanism of the insurance personnel, improving the insurance rules of the major disease insurance, strengthening the survival investigation and establishing the black and grey list management system, etc. Based on the study of the problems and countermeasures of Liaoning Life Insurance risk Management, the conclusions with strong pertinence and application reference value are obtained. Hope this study can provide some inspiration for Liaoning Life Insurance risk management system construction.
【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】：2013
【分類號(hào)】：F842.3;F272.3

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本文編號(hào)：2186532