Study On Internal Control Of Automobile Insurance Business In Insurance Enterprise

With the continuous improvement of the national living standard,the per capita automobile ownership also shows a rapid growth trend,which also promotes the rapid development of the automobile insurance business and becomes one of the important components of the insurance enterprises in our country at the present stage.However,the automobile insurance business of insurance enterprises in our country shows a continuous loss state,which greatly hinders the development of automobile insurance business of insurance companies.Therefore,it is necessary to strengthen the internal control of the automobile insurance business of the insurance company,so that the quality of the underwriting can be improved,and the profit level of the automobile insurance business can be improved.This paper chooses the internal control of automobile insurance business of PA as the research object,adopts the literature method combined with the case study method,and on the basis of expounding the background significance of the research,This paper reviews and summarizes the research status of automobile insurance business,internal control and the theory of internal control of automobile insurance enterprises at home and abroad.Secondly,on the basis of introducing the automobile insurance market of our country at the present stage,this paper briefly introduces PA.This paper analyzes the present situation of the internal control of the automobile insurance business from the internal control of the two links of the automobile insurance underwriting and the settlement of the claim.Again.It is an analysis of the problems existing in the internal control of automobile insurance business in Changchun Branch of Ping an property Insurance Co.,Ltd.,from the basis of internal control environment,implementation and information communication.Five aspects of internal supervision and risk assessment are analyzed in detail.Finally,in view of the problems existing in the internal control of automobile insurance business,this paper puts forward some suggestions for improving the internal control,including perfecting the basis of internal control,strengthening the implementation of internal control activities,and ensuring the accurate and unobstructed communication of information.Build a perfect risk assessment mechanism,establish an efficient internal control and supervision mechanism in five aspects.The research in this paper plays an important role in promoting the improvement of internal control quality of Changchun Branch of Ping an property Insurance Co.,Ltd.At the same time,it can be used for reference to improve the internal control level of automobile insurance business in other insurance enterprises.