Motor Vehicle Insurance Risk Management Of CPIC Beijing Branch

Risk management is an important issue for Insurance companies.The success of motor vehicle insurance risk management in the insurance company will not only affect their own survival and development,but also affect the stability of the whole society.At present,the domestic property insurance company has had more than 70,due to the large number of competitors,the insurers to expand their business,regardless of the cost,the phenomenon is very prominent blind competition,re-size,light efficiency,leading to lower profits of insurance companies,especially motor vehicle insurance loss ratio remains high.The reason of high Auto insurance loss ratio is the risk of motor vehicle insurance business activities do not cause enough attention and effective control.At present,the theory and practice accumulated motor vehicle insurance risk management are relatively weak,then how to identify risks? How to evaluate risk? How to prevent and control risk? All insurance companies need to study and solve these practical problems.Due to this problem the importance of theory and practice as well as the availability,prompting the author attempts to analyze and discuss the issues of Beijing area auto insurance risk management,which to extent reveal auto insurance risk data formation mechanism,and thus control the existing risk management and control system,lack of analysis,recommendations for improvement and propose appropriate measures,so that it has a certain relevance and significance in future motor vehicle insurance activities,and then to the insurance company business risk management with more inspiration.