Zaozhuang Branch Of A Property Insurance Company Research On Risk Control Of Motor Insurance Claims

At present,the major insurance companies in our country are facing a headache problem of Vehicle Insurance Claims(hereinafter referred to as car insurance claims).Many domestic insurance companies,including the Zaozhuang branch of A Property Insurance Company(hereinafter referred to as Zaozhuang A company),all appeared because the automobile insurance claims risk management control is ineffective and causes the company the serious loss the phenomenon.Whether the auto insurance claims risk management is effective or not has become the key factor that restricts the sustainable development of the major insurance enterprises,its importance is self-evident.This article mainly through the analysis Zaozhuang A company automobile insurance claims big data,summarizes its rule,grasps the occurrence high vehicle type and the insurance type,analyzes to its characteristic,diligently explores the scientific management control way,simultaneously takes Zaozhuang A company as the example to carry on the active exploration,this paper summarizes and summarizes several risks of the current vehicle insurance claims management,such as vehicle type,claims rate,claims process,regulatory complaints,legal proceedings,malicious fraud,etc..Based on the related research,we can draw a conclusion that the main sources of Zaozhuang A company’s Auto Insurance claim risk are the ex ante risk brought by the sales end and the medium risk brought by the claim end.Combining with the actual situation,this paper analyzes the reasons for the ineffective risk management from the aspects of sales structure,claim process,anti-fraud,complaint and lawsuit,put forward to adjust the assessment method,optimize the personnel salary structure,improve the claim process,set up anti-fraud sharing platform and other optimization programs,it is suggested that organization construction,system construction,consciousness promotion and enterprise culture should be used to ensure the implementation of the plan.This provides a theoretical basis for the risk management of Zaozhuang A company’s car insurance claims,so as to improve its ability to resist the risk of car insurance claims and create good conditions for enterprise profits.