The Insurance Company Risk Control And Prevention

The insurance company through its own undertaking and diversification of business risk of enterprises,to safeguard the social system of individuals or enterprises and institutions of economic security,to protect and promote the harmonious stability of the whole society,has become an important part of China's current financial system indispensable points.Through the comprehensive consideration of the internal and external environment faced by the insurance company,the insurance company's own management also exists in various operating risks.Because of the instability and risk of the insurance company's social individual or business itself,it will directly or indirectly affect the stability of insurance company's operation.Therefore,insurance companies need to prevent and deal with these risks through a series of measures,such as the prediction,evaluation and prevention of their own operating risks.So,this paper will take the Jiangsu branch of PICC as the actual case,through the assessment of the PICC Jiangsu branch of the actual operation of the company as well as the status of risk management and control system,combined with the application of the theory of risk management and insurance,PICC itself with the actual internal and external business environment,further analysis of the insurance business risk classification and the causes of the formation of the writing of this paper core,the actual situation and management in Jiangsu branch of PICC business risk is analyzed,on this basis,the insurance company for the prevention and control measures of risk management.This paper is divided into five parts: the first part is the introduction,mainly expounds the background and meaning of this thesis,through the research of domestic and foreign literature collection,collation and analysis,preliminary determine the research direction of this thesis,research methods and technical route research.The second part mainly discusses and analyzes the meaning and category of insurance business risk and related theoretical research on risk control of insurance company.It determines the theoretical basis of thesis research by studying the causes of insurance companies' risk and the basic theory of risk control.The third part takes the PICC Jiangsu branch as the research object,through the actual operation situation of Jiangsu branch of PICC,system analysis of the main business risks currently facing and the current risk control measures for the actual design,and the use of risk evaluation index system,systematic analysis and Research on the status quo of people PICC Jiangsu branch company's risk control and prevention.The fourth part,based on the above analysis,combs the risk assessment,risk prevention and control system of PICC Jiangsu branch,and puts forward the corresponding optimization countermeasures.The basic status of research in the fifth part,through the above research on operational risk of insurance company and PICC Jiangsu branch of business,this thesis systematically summarized,and the deficiencies in the study are summarized,and give the expectation of future research direction.