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建行黑龍江省分行代理保險(xiǎn)業(yè)務(wù)風(fēng)險(xiǎn)管理研究

發(fā)布時(shí)間:2018-11-29 11:55
【摘要】:銀行保險(xiǎn)是金融混業(yè)發(fā)展中的一項(xiàng)主要中間業(yè)務(wù)。我國銀行保險(xiǎn)業(yè)務(wù)是伴隨著國內(nèi)保險(xiǎn)業(yè)務(wù)的恢復(fù)而產(chǎn)生和發(fā)展起來的,目前發(fā)展時(shí)間相對(duì)較短,但卻日益成為了商業(yè)銀行中間業(yè)務(wù)利潤的重要來源,由此必然會(huì)得到商業(yè)銀行在可持續(xù)發(fā)展中的高度重視。但同時(shí)不可忽視的是,由于商業(yè)銀行代理保險(xiǎn)業(yè)務(wù)屬于一個(gè)相對(duì)新興的業(yè)務(wù),在具體運(yùn)行中,還存在一些風(fēng)險(xiǎn)管理方面的突出問題,既有銀行操作風(fēng)險(xiǎn)方面的不足,也有一些市場、政策、系統(tǒng)等方面的影響和制約,在某種程度上對(duì)商業(yè)銀行代理保險(xiǎn)業(yè)務(wù)造成了一定的發(fā)展阻礙,當(dāng)前急需構(gòu)建良好的風(fēng)險(xiǎn)管理體系來應(yīng)對(duì)和提升。本文以建行黑龍江省分行為案例,結(jié)合現(xiàn)代銀行風(fēng)險(xiǎn)管理和保險(xiǎn)運(yùn)營風(fēng)險(xiǎn)管理等理論,對(duì)建行黑龍江省分行在代理保險(xiǎn)業(yè)務(wù)過程中的風(fēng)險(xiǎn)管理問題進(jìn)行了探討。首先,通過現(xiàn)場調(diào)查,明確了建行黑龍江省分行代理保險(xiǎn)業(yè)務(wù)風(fēng)險(xiǎn)管理的現(xiàn)狀;其次,經(jīng)過研討發(fā)現(xiàn),建行黑龍江省分行代理保險(xiǎn)業(yè)務(wù)存在聲譽(yù)風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)、市場風(fēng)險(xiǎn)、政策風(fēng)險(xiǎn)、系統(tǒng)風(fēng)險(xiǎn)等;再次,根據(jù)建行黑龍江省分行代理保險(xiǎn)業(yè)務(wù)風(fēng)險(xiǎn)管理的原則、目的、方法,提出了相應(yīng)的風(fēng)險(xiǎn)管理對(duì)策;最后提出了建行黑龍江省分行代理保險(xiǎn)業(yè)務(wù)風(fēng)險(xiǎn)管理的實(shí)施與保障措施,即進(jìn)一步推進(jìn)和強(qiáng)化建行黑龍江省分行代理保險(xiǎn)業(yè)務(wù)時(shí)的協(xié)同監(jiān)管制度的建立,并且要從建行黑龍江省分行自身發(fā)展來加強(qiáng)代理保險(xiǎn)業(yè)務(wù)風(fēng)險(xiǎn)管理制度的科學(xué)化與規(guī)范化,建立相關(guān)從業(yè)人員的專業(yè)技術(shù)能力培養(yǎng)和激勵(lì)機(jī)制,注重加強(qiáng)建行黑龍江省分行內(nèi)部員工的嚴(yán)格規(guī)范管理,以此促進(jìn)建行黑龍江省分行代理保險(xiǎn)業(yè)務(wù)風(fēng)險(xiǎn)管理的可持續(xù)發(fā)展。
[Abstract]:Bancassurance is a major intermediate business in the development of financial mixed industry. The bancassurance business of our country comes into being and develops along with the recovery of domestic insurance business. At present, the development time is relatively short, but it has become an important source of profit of commercial bank intermediate business day by day. Therefore, commercial banks must attach great importance to sustainable development. But at the same time, it can not be ignored that, because the agent insurance business of commercial banks belongs to a relatively new business, there are still some outstanding problems in risk management in the concrete operation, and there are some shortcomings in the operational risks of banks. There are also some market, policy, system and other aspects of the impact and constraints, to a certain extent, the commercial bank agent insurance business has caused some obstacles to the development of the current urgent need to build a good risk management system to deal with and improve. Based on the theory of modern bank risk management and insurance operation risk management, this paper discusses the risk management of CCB Heilongjiang branch in the process of agency insurance business. First of all, through the on-site investigation, the paper clarifies the current situation of the agent insurance business risk management of China Construction Bank Heilongjiang Branch. Secondly, it is found that there are reputation risk, operation risk, market risk, policy risk, system risk and so on. Thirdly, according to the principle, purpose and method of risk management of agent insurance business in Heilongjiang Branch of China Construction Bank, the corresponding risk management countermeasures are put forward. Finally, the paper puts forward the implementation and safeguard measures of risk management of agency insurance business in Heilongjiang Branch of China Construction Bank, that is, to further promote and strengthen the establishment of cooperative supervision system when acting insurance business in Heilongjiang Branch of China Construction Bank. And we should strengthen the scientific and standardized risk management system of agency insurance business from the development of Heilongjiang Branch of China Construction Bank, and establish the professional and technical ability training and incentive mechanism of relevant practitioners. Pay attention to strengthening the strict and standardized management of the internal staff of the branch of China Construction Bank Heilongjiang Province, so as to promote the sustainable development of the risk management of the agency insurance business of the Branch of China Construction Bank of Heilongjiang Province.
【學(xué)位授予單位】:哈爾濱工業(yè)大學(xué)
【學(xué)位級(jí)別】:碩士
【學(xué)位授予年份】:2017
【分類號(hào)】:F842.4

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