Research On Risk Management Of Auto Insurance Claims In C Insurance Company

Motor vehicle insurance occupies a vital position in the property insurance business of insurance companies.The development of motor vehicle insurance business directly affects the operating efficiency of insurance companies.In recent years,with the continuous advancement of auto insurance fees,competition in the auto insurance market has intensified and customer demand has become more diverse.This makes the C insurance company's auto insurance claims risk management more difficult,the original risk management system can't fully cope with emerging risks,how to effectively identify the existing problems in the risk management,and establish a corresponding system in a targeted manner.Constraint is imminent.This paper mainly studies the risk management of auto insurance claims of C insurance companies.On the basis of a brief introduction to the connotation of auto insurance claims,risk and risk management,the development history of risk management,the risk management framework of COSO and the related research on auto insurance claims,the current C insurance company auto insurance claims work flow,analyze the current situation of C insurance company auto insurance claims risk management from the perspective of the eight elements of COSO enterprise risk management framework;then identify the risks that may exist in the C insurance company auto insurance claims,use expert interviews The method combined with the questionnaire survey evaluates the risks identified in the risk management of auto insurance claims,evaluates the fifteen risks that have the greatest impact on the C insurance company's auto insurance claims,and further proposes specific control over the assessed fifteen risks.Measures:Finally,this paper proposes the safeguard measures to reduce the risk of auto insurance claims and improve the efficiency of auto insurance claims from four aspects:organizational structure,talent construction,information and communication,and internal supervision.This paper studies the risk management of auto insurance claims of C insurance companies,clarifies the current situation of auto insurance claims of C insurance companies,analyzes each work link of auto insurance claims,evaluates the risks of auto insurance claims and proposes specific control measures for the assessed major risks.It is of great practical significance to effectively reduce the insurance risk of C insurance companies and improve the efficiency of auto insurance claims.On the other hand,it can provide reference for insurance companies with similar situations.