The Research On Risk Management Of Personal Insurance In Henan Branch Of A Insurance Company

As an important part of the financial industry,the insurance industry has developed rapidly in recent years.By the end of 2018,China is expected to become the second largest insurance market in the world.The insurance industry has an extremely important impact on economic development,and its risk prevention and control is also an important area for financial risk prevention.Although China's modern insurance industry started late,it has developed rapidly.With the changes of insurance environment,supply and demand,and technology,personal insurance has ushered in rapid development.As one of the traditional sales channels of personal insurance,personal insurance business also gathers some problems and risks in the process of rapid development.This paper focuses on the risk management of the personal insurance business of A provincial personal insurance branch(henan branch of A insurance company).This paper comprehensively USES the methods of inductive analysis,comparative study and data analysis to analyze the basic operation,major risks,current situation of risk management and existing problems of A company's individual insurance business.Expounds the personal insurance business A company system vulnerability risk,financial cost management,sales misleading risk,business risk,risk of customer service,quality team flow risk,regulatory risk punishment,risk transfer and so on more than 10 external industry risk points,and classifies the risk points and focus from internal control system construction,staff business operations,marketing team management,external risk management and so on four aspects to the study of risk management.Through in-depth analysis of the four aspects of risk management,mining company A problems and reasons existing in the current risk management,perfect the internal control system construction,standardized business operations staff,strengthen the team management,prevent from four aspects,such as external operating risk is put forward for A insurance company of henan branch personal insurance business risk management strategy.Based on the multiple dimensions of A henan branch personal insurance business risk management of insurance companies,research results are pointed,the operabilityis strong,can better solve A insurance company of henan branch personal the main risk to the insurance business,as well as personal insurance business of insurance risk management to provide some reference and reference.