Risk Management Of Life Insurance

Insurance risk management has quite effect on risk control and profit ability. Underwriting risk management, the most effective and direct means on risk control, is focus on academe and underwriting. This thesis mainly gives the cause of moral hazard and financial underwriting risks, suggests the way for the insurance company to avoid moral hazard and puts forward effective risk control measures.This thesis is made of six chapters. The first chapter states background of underwriting risk; The second chapter, introduces the main contents of life insurance underwriting; The third chapter, describes life insurance underwriting flow;The fourth chapter state and analyze some risk management problems on underwriting; The fifth chapter, analyze underwriting role combining TaiKang life related data, and establish index system to measure the underwriting efficiency; The sixth chapter put forward new manage conceive on existing practical problems and investigate idiographic reply measures from practice handle aspects.From the study of underwriting professional itself to the study of the whole risk control process four times out of danger choice, from the difficulties and challenges in the way of puttiing forward at the risk of underwriting in insurance, to discussing measures adopted to cope wtih the challenges, the author tries to based on reality, to make the paper has realistic significance.