Research On Risk Management Of Motor Vehicle Insurance Claims Of R Company

Since the reform and opening up,the Chinese insurance industry develops rapidly,and the insurance subject develops from one to dozens.People’s awareness of insurance has been continuously enhanced,and the scale of premiums has been developing rapidly.Insurance plays a pivotal role in people’s life.Motor vehicle insurance is one of the most important types of property insurance in China,and its premium scale accounts for more than 50% of the premium income of property insurance companies.Therefore,motor vehicle insurance business has become the main field of competition among major property insurance companies.Various property insurance companies actively seize the auto insurance market,but in the blind pursuit of expansion,they ignore the management of claims risk,the original risk system has been unable to fully cope with the emerging risk characteristics,which makes the improvement of the insurance company’s motor vehicle insurance claims risk management system is imminent.Taking R Company as the research object,this paper first introduces the current situation of R Company’s motor vehicle insurance claim risk management,expounds the situation of R Company in terms of premium scale,organization structure,business process,claim team construction and other aspects,points out the existing problems in R Company’s motor vehicle insurance claim risk management,and analyzes the reasons.Then,73 risk points were extracted from the claim settlement process of R Company through literature research and expert interview.The 73 risk points were rated by questionnaire method,and 20 important risk points were selected by entropy weight method.Then put forward the risk management measures for these 20 risk points from three aspects: risk management measures,risk management retrospective evidence and risk management process.Finally,from the six aspects of claim settlement process,organization,personnel training,information communication,risk monitoring and data monitoring,it puts forward the safeguard measures to ensure the implementation of R Company’s motor vehicle insurance claim risk management plan.By studying the current situation of R Company’s motor vehicle insurance claim risk management,this paper analyzes its existing risk points and puts forward targeted countermeasures to optimize the motor vehicle insurance claim risk management system.On the one hand,it is helpful to improve R company’s level of motor vehicle insurance claim risk management.On the other hand,it also has a reference for other insurance subjects in motor vehicle insurance claim risk management.