本文基于作者多年从事团体保险核保管理的经验,立足新华人寿保险公司承
保风险管理的实际情况,采用规范研究与实例分析相结合的研究方法,对团体保
险承保风险的表现形式及特点进行了阐述,并对成因进行了深刻剖析,通过分析
问题,提出加强团体保险承保风险管控的相应对策,对保险公司的团体保险经营
具有实际的借鉴意义。
本文首先阐述了保险公司风险管理的相关理论,作为风险管控对策的理论依
据。其次解释了何为团体保险承保风险,并详细列举了其主要表现形式,阐述了
忽视承保风险管理所产生的严重后果。然后以新华公司为例详细分析了新华保险
团险承保风险管理面临的内外部形势,深刻剖析了承保风险产生的原因。最后,
基于对上述问题的分析,立足于新华保险团体保险经营现状,有针对性的提出了
培育全面风险管理的企业文化、建立以品质管理和业务规模并重的考核机制、完
善承保内控机制、加强承保运营集中管理、打造高素质核保人队伍和加强n系统
建设等承保风险管控的相应对策,为实务操作提供借鉴。
本文的研究成果对新华保险公司加强团险承保风险控制具有实际应用价值,
对其他保险公司也具有相应的参考价值。
关键词:团体保险承保风险风险管控
ABSTRACT
The insurance industry, as one of the mainstay industries of national financial
industry, plays an irreplaceable role in economic compensation, fund accommodation
and social administration, which act as a social stabilizer. However, most insurance
companies in our country still just focus their attention on the increase of premium scale,
regardless of the operational risks management, illegal operation emerges in endlessly,
which results in the bad operational benefit and is harmful to the long-term sustainable
healthy development of the whole company. As one of the major operational risks to
insurance company, underwriting risk permeates directly through the everyday
management operation, therefore, strengthen the cause analysis of underwriting risks
and formulate effective precautionary measure to control underwriting risks have
realistic significance to the risk management level improvement and the sustainable
development of insurance company.
Based on the author's experience during many years engagement in the group
insurance underwriting management, established in the fact of underwriting risk
management in New China Life Insurance Co.,Ltd adopted the method combines
normative research and case study together, I state the representation and characteristic
of the group insurance underwriting risks,analyze the reasons, put forward the relevant
strategies on how to enhance the management of group insurance underwriting risks
after analysis, which provides practical reference to the group insurance operation in
insurance company.
Firstly, this article expounds the relevant theory of insurance company risk
management, which acts as the theoretical basis of risk management strategies.
Secondly, explains what is underwriting risk of group insurance, itemizes their main
representation, states the generated serious consequences due to ignoring the
underwriting risk management. Then take NCI Co., Ltd for example, analyses the
internal and external situation of the underwriting risk management in group insurance
of NCI Co., Ltd in detail, gives a deeply cause analysis of the underwriting risk. Finally,
based on the analysis of above questions and the operation situation of group insurance
in NCI Co., Ltd. Shandong Branch, the author pertinently puts forward the strategies
related to the management of underwriting risks, such as cultivate the enterprise culture。。。。
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