论财产保险“两核”面临的风险与防范对策

财产保险公司全面实施和推进“两核”工作是提升公司核心竞争力和防范化解经营风险的重要且紧迫的基础工作。本文从分析承保和理赔面临的风险入手，剖析了“两核”工作的主要障碍，提出了强力推进“两核”工作的主要途径，探讨如何通过实施“两核”，逐步达到公司任何一个分支机构都具有标准化和统一性的风险防范能力。

The full implementation and promotion of underwriting and claim processing is a vital, urgent and foundational task for non-life insurance companies to the effect that they may improve their core competence and prevent and reduce risks in operation. This paper proceeds from analyzing risks within the processes of underwriting and claim processing, exposes the obstacles involved, and proposes a major solution for forceful implementation. It also discusses the means to gradually enable all branches and sub-branches of the insurer to achieve the same level of standardized risks management.