發(fā)布時(shí)間：2018-12-10 22:18

【摘要】：近年來,國外大型財(cái)險(xiǎn)保險(xiǎn)公司紛紛進(jìn)入中國市場。這些公司的進(jìn)入,給我國財(cái)險(xiǎn)市場注入了新鮮血液,增強(qiáng)了我國財(cái)險(xiǎn)市場活力,重要的是,他們的進(jìn)入,為我國財(cái)險(xiǎn)業(yè)帶來了最新的承保技術(shù),先進(jìn)的風(fēng)險(xiǎn)管控理念,對(duì)于我國財(cái)險(xiǎn)業(yè)健康快速發(fā)展,起到了不可代替的作用。然而發(fā)展的背后仍然存在著巨大的現(xiàn)實(shí)問題,在很多基層公司承保展業(yè)過程中,風(fēng)險(xiǎn)管控觀念依舊落后,只靠經(jīng)驗(yàn)承保的現(xiàn)象十分普遍,這些都是需要行業(yè)不斷研究改進(jìn)的地方。 和同為金融業(yè)的銀行相比,財(cái)險(xiǎn)公司的承保業(yè)務(wù)是其風(fēng)險(xiǎn)的集中聚集地。而與同為保險(xiǎn)業(yè)的壽險(xiǎn)業(yè)相比,財(cái)險(xiǎn)公司的承保風(fēng)險(xiǎn)仍然突出表現(xiàn)在波動(dòng)性大、損失規(guī)律不易把握,這是拉開壽險(xiǎn)業(yè)和財(cái)險(xiǎn)業(yè)利潤及保費(fèi)收入的重要原因,承保風(fēng)險(xiǎn)在財(cái)險(xiǎn)公司的整體風(fēng)險(xiǎn)中占據(jù)著絕大部分的比重,這與財(cái)險(xiǎn)公司的業(yè)務(wù)類型有著密不可分的關(guān)系。因此承保問題是財(cái)險(xiǎn)公司風(fēng)險(xiǎn)管控的核心問題,是財(cái)險(xiǎn)公司風(fēng)險(xiǎn)管控的切入點(diǎn),是每一個(gè)公司不能回避的重大管理問題。人們對(duì)承保風(fēng)險(xiǎn)的直觀認(rèn)識(shí)來源于保險(xiǎn)公司準(zhǔn)備金的不足和保費(fèi)的不足,這兩個(gè)財(cái)務(wù)問題是承保風(fēng)險(xiǎn)在數(shù)據(jù)上的直觀反映,前者產(chǎn)生隨機(jī)風(fēng)險(xiǎn)因素和變化因素,后者則是因?yàn)殄e(cuò)誤的風(fēng)險(xiǎn)因素所造成。 如何將諸多國外先進(jìn)公司的承保理賠技術(shù)吸收消化,是我國財(cái)險(xiǎn)公司需要考慮的問題,在這里,樹立先進(jìn)的與國際接軌的風(fēng)險(xiǎn)管理理念尤為重要,另外,實(shí)施科學(xué)的風(fēng)險(xiǎn)管理技術(shù),使其在承保工作充分發(fā)揮應(yīng)有的作用,也是我們需要不斷思考的問題。因此,如何根據(jù)公司的償付能力,并計(jì)算出公司賠付成本,在此基礎(chǔ)上,了解公司具體業(yè)務(wù)情況,建立風(fēng)險(xiǎn)轉(zhuǎn)移機(jī)制,是財(cái)險(xiǎn)公司、保險(xiǎn)市場、被保險(xiǎn)人、及監(jiān)管人面臨的共同問題。將此問題解決好關(guān)系著財(cái)險(xiǎn)公司的發(fā)展進(jìn)步,考驗(yàn)著公司領(lǐng)導(dǎo)者的經(jīng)營管理能力,也是學(xué)界探討的重要問題。
[Abstract]:In recent years, foreign large property insurance companies have entered the Chinese market. The entry of these companies has injected fresh blood into our property insurance market and enhanced the vitality of our property insurance market. Importantly, their entry has brought the latest underwriting technology and advanced risk control concepts to the property insurance industry in our country. For China's property insurance industry healthy and rapid development, played an irreplaceable role. However, there are still huge practical problems behind the development. In the process of many grass-roots companies' underwriting and exhibition, the concept of risk control is still backward, and the phenomenon of only relying on experience to underwrite is very common. These are areas that require constant research and improvement in the industry. Compared with the banks in the financial industry, the underwriting business of the property insurance company is the centralized gathering place of its risk. Compared with the same life insurance industry, the underwriting risk of the property insurance company is still characterized by its high volatility and difficulty in grasping the loss law, which is the important reason for the profit and premium income of the life insurance industry and the property insurance industry. The underwriting risk accounts for most of the whole risk of the property insurance company, which is closely related to the business type of the property insurance company. Therefore, the underwriting problem is the core problem of the risk control of the property insurance company, the breakthrough point of the risk control of the property insurance company, and the important management problem that every company can not avoid. The direct understanding of underwriting risk comes from the deficiency of insurance company's reserve and the deficiency of insurance premium. These two financial problems are the direct reflection of underwriting risk in data, and the former produces random risk factors and variable factors. The latter is caused by the wrong risk factors. How to absorb and digest the insurance and claim technology of many foreign advanced companies is a problem that our property insurance companies need to consider. Here, it is particularly important to set up advanced risk management concepts that are in line with international standards. In addition, The implementation of scientific risk management technology to make it fully play its due role in the underwriting work is also a problem that we need to constantly think about. Therefore, according to the solvency of the company, and how to calculate the company's indemnity cost, on this basis, to understand the company's specific business situation, establish a risk transfer mechanism, is the property insurance company, the insurance market, the insured, And common problems facing regulators. To solve this problem is related to the development and progress of property insurance companies, test the management ability of company leaders, and is also an important issue discussed by academic circles.
【學(xué)位授予單位】：鄭州大學(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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