企业风险管理现状调查与保险公司服务创新

Enterprises Risk Management Survey and Insurance Service Innovation

传统上,保险公司对承保风险进行查勘的目的主要是为了降低自身的风险。调查表明,当前我国企业风险管理水平处于初级阶段,企业更希望获得保险公司优质的风险查勘及防灾防损服务以减少潜在损失。保险公司应转换角色进行服务创新,有意识地利用企业风险管理合规要求,主动为企业提供高质量的风险查勘及防灾防损建议,增加保险服务的附加值,扩大保险业在风险管理领域的影响力。

Traditionally,the main purpose of risk survey provided by insurance companies is to decrease the insurance industry＇s own risks.However,insurance companies lacks of initiative consciousness to help customers manage their risk.The investigation indicates that the current level of risk management of enterprises in China is in the primary stage,enterprises hope to obtain a detailed, comprehensive risk survey report and recommendation of loss prevention from the insurance company to reduce potential losses. Enterprise risk management calls for the changing role of insurance companies and the innovation of insurance service.Insurance companies should take advantage of compliance requirement inflicted on enterprises and provide risk survey process and recommendation of loss prevention with high quality which would enhance the influence of the insurance industry on risk management field.