论文标题:TA保险股份有限公司广西分公司风险管理研究
Research on Insurance Risk Management for TA Insurance Co.Ltd. of Guangxi Branch
论文作者
论文导师 黄绥彪,论文学位 硕士,论文专业 工商管理
论文单位 广西大学,点击次数 112,论文页数 82页File Size3812K
2006-06-01论文网 http://www.lw23.com/lunwen_282370227/
Property Insurance ; Risk Management ; Underwriting Risk;Compensative Risk ; Financial Risk
保险，作为一种典型的转移风险和为风险融资的制度安排，从其出现就与风险管理紧密结合在一起。我国加入WTO后，各行业将受到不同程度的冲击，其中受冲击最大的行业之一是金融业，而金融业中首当其冲的是保险业，这关系到我国经济的稳定。 我国保险企业风险管理意识薄弱，风险信息缺乏，管理手段落后，在加入WTO后保险市场的国际化竞争形势下，面临着严峻的挑战。中资保险公司在风险管理上必须与时俱进，创立出先进的风险管理服务模式和完善的技术标准，提高对客户的风险管理服务水平，为促进社会再生产的顺利进行和保障社会安定做出自己应有的贡献。因而，对保险公司风险管理的研究有其必要性。 本文首先对风险管理的起源与风险管理基本理论做了简要的介绍，对保险企业经营过程面临的风险进行了详细的识别；其次介绍了中国保险业的风险管理现状，分析了加强风险管理的必要性和重要意义。 论文的核心，是以TA保险广西分公司为例，分别对TA保险公司的外部环境变化所带来的风险、展业承保风险、理赔风险、财务风险等进行了剖析，通过对风险进行识别和衡量，提出了对风险进行管理的相应措施和办法；最后对TA保险公司广西分公司建立全面综合的风险管理体系进行了探索，力图寻出像TA保险广西分公司这样的财产保险公司既具有共性又具有个性问题的处理方法，以供我国保险公司进行风险管理作参考。
Insurance, as a system of risk transferring and risk finance, has close connection with risk management from the scratch .The impact of entering WTO on Chinese finance industry, especially on insurance industry, may be so dramatic that it may threaten the stability of the economy of the country.Due to the weak sense of risk management, lack of risk information and the out-of-date management in most Chinese insurance companies, as a WTO member, we will have to face the severe challenges under the international competition in insurance market. Chinese insurance companies are living on the risk management have to against hour completely moves forward. Originating out the well-developed risk manager to serve pattern and consummate engineering standards. The service level is administered to the risk to client of raise. The community reproduction in the interest of accelerates is underway successfully and the guarantee community stabilizing making self the proper contribution. Thus it is necessary to study risks management in insurance companies.At first, the provenance and concept of risk management has been briefly introduced. All the risks may occur during the insurance enterprise management has been distinguished in detail. Then the author introduces the present rather out-of-date status of Chinese insurance industry" s risk management and analyzes the necessity and importance of strengthening the risk management.TA Insurance Co.Ltd. of Guangxi Branch is the one large insurance business .Varied risk be confronted with in such management process, run compensating the risk, the external environment risk awaits. The original is paid for the issue example of case and is accepted insurance the risk separately to the TA Insurance Co.Ltd. of Guangxi Branch exhibition trade by means of that. Run compensating the risk and the external environment changes the risk
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