Research On The Risk Control System Of Property Insurance Underwriting

The existence of the risk is objective reasons and conditions of insurance to produce,existence and development, and become the object of insurance business, the insurancecompany is profitable in the management of risk, for Business insurance company, selffinancing is its biggest characteristic, the pursuit of economic interests is the main goal, therisk management is one of the important sources of Business insurance company economicbenefit. However, in recent years, some property insurance company management extensive,long-term underwriting losses, the combined ratio rising, influencing the sustainabledevelopment ability, so it is necessary to property insurance underwriting risk management.The purpose of this study is through the construction of property insurance underwritingrisk control system, control standardization standard insurance company internal wind, toconsolidate and develop the high-quality service as the core, in order to improve theeconomic benefit for the purpose, in order to enhance market competitiveness, brand oriented.The screening in service quality, underwriting, establish the fishbone diagram model of riskanalysis, a fuzzy comprehensive evaluation model is established for grade estimation of risk,determine the types of business; underwriting underwriting or rejection is determined by riskrating; according to the customer after underwriting, risk, risk return standard, provide lossprevention services, in order to reduce the probability of risk or the risk of loss. In theinsurance companies underwriting, mainly developed wind control personnel standardizationwork: the establishment of risk information database, standard underwriting risk controlsurvey standardization, formulate prevention service standards, improve training managementsystem etc.. For a property insurance company set up a property insurance underwriting risk control system, through the promotion, the company profit increase, loss rate has decreased,while improving the risk control personnel risk management ability and more to providecustomers with quality risk management services, thus shaping the insurance companyprofessional risk manager image, so we property insurance underwriting risk control systemstrong applicability and worthy of promotion.