Property Insurance Companies, Risk Control System Design

This paper seeks to enterprises through property insurance underwriting risk analysis and research, focusing on how to effectively serengthen the underwring risk management, the use of integrating theory with practice approach on property insurance underwrinting rish management enterprises to strengthen the basic methods and ideas. In this paper, an research topics based on the importance of the study of risk, risk management, property insurance industry risk management, and then introduced the idea research papers and chapters framework.Second,the thesis of the underwriting risk defined, in terms of underwriting risks facing the subject of external risks inherent risks start with the current situation facing the risk of underwring risks were studied, and then in turn extend to the insurance market and the market trend perspective, and further on the status of underwriting risks that pointed the reality of the insurance underwriting business risk exist; Third, in underwriting risk management analysis, is divided into two parts, first, the characteristics of underwriting risk analysis to identify the impact of the underwriting risk management key indicators, namely, the rate of losses, solvency, profitability and business development; Second, from the management angle comprehensive analysis of the property insurance companies underwriting risk. In control, the risk of awarenessm, industry self-regulation, insurance regulation, market integrity platform for the optimization of the enwironmentm, erc., property insurance enterprises of the wind the risk of nuclear security, the early warning system of internal control, management organizations, the training of qualified people, and other internal control optimization and management process optimization, the current combination of the actual property insurance enterprises, improve underwriting explore the theory of risk management tools.