發(fā)布時間：2018-05-30 23:08

  本文選題：車輛保險 + 風險管理　； 參考：《福州大學》2014年碩士論文

【摘要】：近年來,我國整體經濟實力增強,社會不斷發(fā)展,人民生活水平及購買力有較大提高,帶動機動車銷售量及擁有量迅速增長。隨著汽車市場的發(fā)展,消費者對于相對剛性的車輛保險的需求也不斷擴大,財產保險公司的營業(yè)收入也隨之大幅增長。近幾年,車輛保險保費收入規(guī)模已在財產險中占絕對主導地位,并且增長速度也排在前列,規(guī)模占比尚在繼續(xù)提高,其地位不言而喻。車輛保險作為財產保險最重要的組成部分,其經營狀況直接影響財險公司的經營規(guī)模與利潤,也與財險公司的可持續(xù)發(fā)展密切相關。然而,我們應該清醒地認識到,當前我國保險市場整體尚出于粗獷型發(fā)展階段,車輛保險市場仍存在監(jiān)管力度不足、行業(yè)自律落后等問題,各保險公司內控意識普遍薄弱,風險管理能力比較低,隱患較大。保險的本質是在經營風險,風險管理能力的高低決定保險企業(yè)能否順利發(fā)展,車輛保險作為各財產保險公司的龍頭險種,對其建立起一套有效的風險管理體系成為當下亟待解決的課題,這不僅能促進保險企業(yè)的自身發(fā)展,也對樹立良好的市場秩序,促進行業(yè)健康持續(xù)發(fā)展,有效發(fā)揮國民經濟穩(wěn)定器的作用有著重要意義。本文以人保財險福建省分公司車輛保險業(yè)務為研究對象,對其主要風險進行了識別,同時建立指標體系及模型,通過數學手段進行評價,提出風險應對措施。本文開篇闡述了選題的背景,說明了提高車輛保險業(yè)務風險管理能力的重要意義,尤其對于保險公司省級分公司而言,風險管理易被忽視,對其加強管理應提上議程。開篇同時評述了國內外對車輛保險風險管理的有關研究。其次,簡要介紹了風險管理理論及車輛保險相關基礎理論。接著,介紹了人保財險福建省分公司的概況及其車輛保險業(yè)務的基本操作流程,將車輛保險業(yè)務中的主要風險分為內部風險及外部風險兩大部分,進一步逐級細化構建五級風險指標體系。車輛保險業(yè)務風險評價因素較為復雜,具有難以定量化的特點,對此,本文采用層次分析法確定權重,建立風險評價矩陣,并運用模糊綜合評價法分析評估,得出人保財險福建省分公司車輛保險業(yè)務的評價結果。最后,對人保財險福建省分公司車輛保險業(yè)務提出了風險應對措施,包括針對車輛保險事故率、單位損失成本、市場費率及銷售費用等外部風險的措施以及針對承保風險、理賠風險等內部風險的措施。
[Abstract]:In recent years, the overall economic strength of our country has been strengthened, the society has been developing, the people's living standard and purchasing power have been greatly improved, and the sales and ownership of motor vehicles have increased rapidly. With the development of automobile market, consumers' demand for relatively rigid vehicle insurance is also expanding, and the operating income of property insurance companies is also increasing significantly. In recent years, the vehicle insurance premium income scale has taken the absolute dominant position in the property insurance, and the growth speed is also in the front row, the scale proportion is continuing to improve, its status is self-evident. As the most important part of property insurance, vehicle insurance has a direct impact on the scale and profits of property insurance companies, and is closely related to the sustainable development of property insurance companies. However, we should soberly realize that the whole insurance market of our country is still in the rough development stage, the vehicle insurance market still has some problems, such as insufficient supervision, backward self-discipline in the industry, and the consciousness of internal control of the insurance companies is generally weak. The risk management ability is low, the hidden danger is bigger. The essence of insurance is to manage risk, the ability of risk management determines whether the insurance enterprise can develop smoothly, the vehicle insurance is the leading insurance of each property insurance company. To establish an effective risk management system is an urgent task to be solved, which can not only promote the development of insurance enterprises, but also establish a good market order, promote the healthy and sustainable development of the industry. It is of great significance to give full play to the role of national economic stabilizer. This paper takes the vehicle insurance business of PICC Fujian Branch as the research object, identifies the main risks, establishes the index system and model, evaluates by mathematical means, and puts forward the risk countermeasures. At the beginning of this paper, the background of the topic is expounded, and the importance of improving the risk management ability of vehicle insurance business is explained. Especially for the provincial branches of insurance companies, risk management is easy to be ignored, and it should be put on the agenda to strengthen the management. At the same time, it reviews the research on risk management of vehicle insurance at home and abroad. Secondly, it briefly introduces the theory of risk management and the basic theory of vehicle insurance. Then, it introduces the general situation of PICC Fujian branch and the basic operation flow of vehicle insurance business. The main risks in vehicle insurance business are divided into two parts: internal risk and external risk. Further step by step detailed construction of five-level risk index system. The risk evaluation factors of vehicle insurance business are more complex and difficult to quantify. In this paper, the AHP method is used to determine the weight, the risk evaluation matrix is established, and the fuzzy comprehensive evaluation method is used to analyze and evaluate. The evaluation results of vehicle insurance business of PICC Fujian Branch are obtained. Finally, the paper puts forward the risk countermeasures to the vehicle insurance business of PICC Fujian Branch, including the external risk measures, such as accident rate, unit loss cost, market rate and sales cost, as well as the underwriting risk. The measure of internal risk, such as claim risk.
【學位授予單位】：福州大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.634;F272.3
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本文編號：1957219