从加强经营管理的角度改进保险企业风险管理状况

风险管理是将风险控制作为企业经营管理的重要组成部分,运用科学的方法对风险实施有效的控制和处理。保险公司是经营风险、提供保险保障的企业,作为保险公司除了面临着与其他企业相同的风险外,还存在着特殊的风险。改革保险企业管理现状应采取以下措施:产品研发过程的标准化;强化费率管理;建立完善的风险核保机制;建立完善的风险核赔机制;加强代理人管理;建立保险企业的内部稽查制度;建立保险企业的计算机内部管理系统。

Risk management is to regard risk control as an important component of operation management of an enterprise and administer effective control and treatment on risks through scientific methods. Insurance companies operate risks and offer risk protection, therefore, apart from common risks faced by all types of enterprises, they also encounter risks of special nature. The paper analyzed insurer＇s risks from product development, operation management and solvency margin and proposed how to improve on its risk management situation by strengthening operation management.