Research On Insurance Companies Business Process Reengineering In China Based On Risk Management

In recent years, under the impact of foreign insurance industry, China's insurance industry competition pressure increase, but also has been rapid development, has become one of the most rapidly developing industries in China. The insurance company business complex, the amount of money involved is large, strong uncertainty, which brings more risks to the operations of insurance companies. With the rapid development of China's insurance industry, the risk faced by insurance companies have gradually increased, more and more insurance companies began to focus on promoting the risk management, in order to reduce the risks of insurance companies operating, promote the development of the insurance company. In February 13, 2015, the Insurance Institute, Chinese social science literature press in Beijing jointly organized the "insurance Blue Book: report of China insurance industry competitiveness(2014)-- the construction of the world insurance powerhouse new book launch range", put forward our country to build insurance nation, the book pointed out that the risk management of our country should pay attention to in the process of establishing the the power of the insurance is the insurance industry, establish a sound risk management system of science, and constantly improve the level of risk management of insurance companies in China. It is because of the risk management needs of practice, attention and research of many scholars at home and abroad and the mechanism of risk management in insurance industry is growing.The foreign insurance industry started earlier, more rapid development, risk management is relatively perfect, and the insurance industry in China started late, development is relatively slow, at this stage the management still exist big problems, especially low emphasis on risk management, the premium rapid growth followed by increasing the risk, the greatly affect the sustainable development of the insurance industry. Therefore, the insurance company must establish a scientific risk management system, truly combining the corporate management and insurance risk management, strengthen and improve public confidence in the insurance industry. Now, Chinese insurance industry has the phenomenon of insufficient strength. In this case, the insurance company should pay more attention to healthy development, strengthen the construction of their own risk management system, innovation of insurance risk management, in order to promote the rapid development of the insurance industry. At present, the risk management of insurance companies in China there is a big problem, the business management process there are many loopholes. The risk management process reengineering for the healthy development of China's insurance industry pointed out the new direction based on.This paper studies the theory of process reengineering, risk management, application of case analysis to the BPR theory combined with China's insurance company risk management, the paper analyzes the current situation of the development environment of China's insurance industry and the insurance industry, the insurance company R as an example, analyzes the shortcomings of the risk management of R insurance in the company, and combining the existing risk management of R insurance company, according to the relevant theories of BPR from the organizational system reengineering, business process reengineering, reengineering of enterprise culture and puts forward specific measures to improve the risk management of R insurance company. Finally, the author from the perfect policy support, to enhance the enterprise risk management technology, risk management personnel put forward to perfect the insurance company risk management measures. The author hopes that this paper can help to perfect the theory and practice of promoting the development of China's insurance industry risk management, and bring some inspiration to strengthen the risk management of insurance companies in China.