论团体人身综合保险的承保风险管理

目前，团体人身综合保险所面临的承保风险有：费率、费用的无原则下调；擅自扩大承保责任；欠费承保或带风险承保追溯；免费赠送保险；条款管理不严；实务设计不完善；盲目承保无能力控制的风险保单；承保范围把握不严。团体人身综合保险承保管理的常见问题有：相关承保管理制度不完善；承保机构设置混乱，风险管理失控；缺乏数据积累；考核体系制约核保管理的权威性；缺乏专业人员；责权利不明确；内控机制不完善。为保证寿险公司的正常经营，必须加强团体人身综合保险承保风险管理建设。

Today, the underwriting risks involved in group personal comprehensive insurance are as follows： non-standardized decrease of premium rates and expenses, unauthorized expansion of underwriting liabilities, non-fully paid insurance or retroactive underwriting, free complementary insurance, loose policy provisions management, inadequate operational procedure, underwriting of policy in excess of insurer＇s capacity, and loose control on the scope of coverage. The major problems in underwriting management of group personal comprehensive insurance are incomplete underwriting management policies, disorderly internal organization and loss of control on management of certain risks, lack of data accumulation, ineffective appraisal system to underwriting control, lack of professional staff, ambiguous responsibilities and rights and incomplete internal control mechanism. We must strengthen underwriting risks management for group personal comprehensive insurance in order to guarantee normal operation of life insurance companies.