| Insurance after a long-term development, is playing an increasingly important role in oureconomy. However, the risk of insurance market has becoming prominent. Surrender is aprominent contradictions and important problem to be solved. Expect cash flow risk, it is morelikely to break through the bottom line, such as surrender mass incidents.As the first line of defense against surrender, the branches of an insurance company requiresa set of specific and operational risk prevention measures. With the help of the related theory ofrisk management and the research of surrender, this paper studied on the current status of QingdaoBranch of A Life Insurance Company’s surrender risk, proposed risk prevention opinions andsolutions on it, which has important significance for the healthy and sustainable development ofthe X-life insurance companies. Also, there is a reference value for other companies in theindustry.This paper divided into three parts or six chapters. The first part which contacts chapter Iand chapter II, as an introduction part, introduced the paper’s object: the surrender of lifeinsurance. what’s more this part summarized literatures on life insurance surrender area andinsurance company’s risk management. The second part which acts as an important part has threechapters. Chapter III focused on the surrender environment of Qingdao life insurance market.Chapter IV analyzed present situation of the preventions of Qingdao branch of A life insurancecompany, and analyzed the surrender factors. Chapter V gave a set of solutions for the branchcompany’s surrender. The Third part is also chapter V, this part gave a conclusions to the wholepaper. This chapter gave suggestions on how to reduce surrender and prevent the surrender risk. |
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