發(fā)布時(shí)間：2018-05-30 23:08

  本文選題：車輛保險(xiǎn) + 風(fēng)險(xiǎn)管理　； 參考：《福州大學(xué)》2014年碩士論文

【摘要】：近年來,我國(guó)整體經(jīng)濟(jì)實(shí)力增強(qiáng),社會(huì)不斷發(fā)展,人民生活水平及購(gòu)買力有較大提高,帶動(dòng)機(jī)動(dòng)車銷售量及擁有量迅速增長(zhǎng)。隨著汽車市場(chǎng)的發(fā)展,消費(fèi)者對(duì)于相對(duì)剛性的車輛保險(xiǎn)的需求也不斷擴(kuò)大,財(cái)產(chǎn)保險(xiǎn)公司的營(yíng)業(yè)收入也隨之大幅增長(zhǎng)。近幾年,車輛保險(xiǎn)保費(fèi)收入規(guī)模已在財(cái)產(chǎn)險(xiǎn)中占絕對(duì)主導(dǎo)地位,并且增長(zhǎng)速度也排在前列,規(guī)模占比尚在繼續(xù)提高,其地位不言而喻。車輛保險(xiǎn)作為財(cái)產(chǎn)保險(xiǎn)最重要的組成部分,其經(jīng)營(yíng)狀況直接影響財(cái)險(xiǎn)公司的經(jīng)營(yíng)規(guī)模與利潤(rùn),也與財(cái)險(xiǎn)公司的可持續(xù)發(fā)展密切相關(guān)。然而,我們應(yīng)該清醒地認(rèn)識(shí)到,當(dāng)前我國(guó)保險(xiǎn)市場(chǎng)整體尚出于粗獷型發(fā)展階段,車輛保險(xiǎn)市場(chǎng)仍存在監(jiān)管力度不足、行業(yè)自律落后等問題,各保險(xiǎn)公司內(nèi)控意識(shí)普遍薄弱,風(fēng)險(xiǎn)管理能力比較低,隱患較大。保險(xiǎn)的本質(zhì)是在經(jīng)營(yíng)風(fēng)險(xiǎn),風(fēng)險(xiǎn)管理能力的高低決定保險(xiǎn)企業(yè)能否順利發(fā)展,車輛保險(xiǎn)作為各財(cái)產(chǎn)保險(xiǎn)公司的龍頭險(xiǎn)種,對(duì)其建立起一套有效的風(fēng)險(xiǎn)管理體系成為當(dāng)下亟待解決的課題,這不僅能促進(jìn)保險(xiǎn)企業(yè)的自身發(fā)展,也對(duì)樹立良好的市場(chǎng)秩序,促進(jìn)行業(yè)健康持續(xù)發(fā)展,有效發(fā)揮國(guó)民經(jīng)濟(jì)穩(wěn)定器的作用有著重要意義。本文以人保財(cái)險(xiǎn)福建省分公司車輛保險(xiǎn)業(yè)務(wù)為研究對(duì)象,對(duì)其主要風(fēng)險(xiǎn)進(jìn)行了識(shí)別,同時(shí)建立指標(biāo)體系及模型,通過數(shù)學(xué)手段進(jìn)行評(píng)價(jià),提出風(fēng)險(xiǎn)應(yīng)對(duì)措施。本文開篇闡述了選題的背景,說明了提高車輛保險(xiǎn)業(yè)務(wù)風(fēng)險(xiǎn)管理能力的重要意義,尤其對(duì)于保險(xiǎn)公司省級(jí)分公司而言,風(fēng)險(xiǎn)管理易被忽視,對(duì)其加強(qiáng)管理應(yīng)提上議程。開篇同時(shí)評(píng)述了國(guó)內(nèi)外對(duì)車輛保險(xiǎn)風(fēng)險(xiǎn)管理的有關(guān)研究。其次,簡(jiǎn)要介紹了風(fēng)險(xiǎn)管理理論及車輛保險(xiǎn)相關(guān)基礎(chǔ)理論。接著,介紹了人保財(cái)險(xiǎn)福建省分公司的概況及其車輛保險(xiǎn)業(yè)務(wù)的基本操作流程,將車輛保險(xiǎn)業(yè)務(wù)中的主要風(fēng)險(xiǎn)分為內(nèi)部風(fēng)險(xiǎn)及外部風(fēng)險(xiǎn)兩大部分,進(jìn)一步逐級(jí)細(xì)化構(gòu)建五級(jí)風(fēng)險(xiǎn)指標(biāo)體系。車輛保險(xiǎn)業(yè)務(wù)風(fēng)險(xiǎn)評(píng)價(jià)因素較為復(fù)雜,具有難以定量化的特點(diǎn),對(duì)此,本文采用層次分析法確定權(quán)重,建立風(fēng)險(xiǎn)評(píng)價(jià)矩陣,并運(yùn)用模糊綜合評(píng)價(jià)法分析評(píng)估,得出人保財(cái)險(xiǎn)福建省分公司車輛保險(xiǎn)業(yè)務(wù)的評(píng)價(jià)結(jié)果。最后,對(duì)人保財(cái)險(xiǎn)福建省分公司車輛保險(xiǎn)業(yè)務(wù)提出了風(fēng)險(xiǎn)應(yīng)對(duì)措施,包括針對(duì)車輛保險(xiǎn)事故率、單位損失成本、市場(chǎng)費(fèi)率及銷售費(fèi)用等外部風(fēng)險(xiǎn)的措施以及針對(duì)承保風(fēng)險(xiǎn)、理賠風(fēng)險(xiǎn)等內(nèi)部風(fēng)險(xiǎn)的措施。
[Abstract]:In recent years, the overall economic strength of our country has been strengthened, the society has been developing, the people's living standard and purchasing power have been greatly improved, and the sales and ownership of motor vehicles have increased rapidly. With the development of automobile market, consumers' demand for relatively rigid vehicle insurance is also expanding, and the operating income of property insurance companies is also increasing significantly. In recent years, the vehicle insurance premium income scale has taken the absolute dominant position in the property insurance, and the growth speed is also in the front row, the scale proportion is continuing to improve, its status is self-evident. As the most important part of property insurance, vehicle insurance has a direct impact on the scale and profits of property insurance companies, and is closely related to the sustainable development of property insurance companies. However, we should soberly realize that the whole insurance market of our country is still in the rough development stage, the vehicle insurance market still has some problems, such as insufficient supervision, backward self-discipline in the industry, and the consciousness of internal control of the insurance companies is generally weak. The risk management ability is low, the hidden danger is bigger. The essence of insurance is to manage risk, the ability of risk management determines whether the insurance enterprise can develop smoothly, the vehicle insurance is the leading insurance of each property insurance company. To establish an effective risk management system is an urgent task to be solved, which can not only promote the development of insurance enterprises, but also establish a good market order, promote the healthy and sustainable development of the industry. It is of great significance to give full play to the role of national economic stabilizer. This paper takes the vehicle insurance business of PICC Fujian Branch as the research object, identifies the main risks, establishes the index system and model, evaluates by mathematical means, and puts forward the risk countermeasures. At the beginning of this paper, the background of the topic is expounded, and the importance of improving the risk management ability of vehicle insurance business is explained. Especially for the provincial branches of insurance companies, risk management is easy to be ignored, and it should be put on the agenda to strengthen the management. At the same time, it reviews the research on risk management of vehicle insurance at home and abroad. Secondly, it briefly introduces the theory of risk management and the basic theory of vehicle insurance. Then, it introduces the general situation of PICC Fujian branch and the basic operation flow of vehicle insurance business. The main risks in vehicle insurance business are divided into two parts: internal risk and external risk. Further step by step detailed construction of five-level risk index system. The risk evaluation factors of vehicle insurance business are more complex and difficult to quantify. In this paper, the AHP method is used to determine the weight, the risk evaluation matrix is established, and the fuzzy comprehensive evaluation method is used to analyze and evaluate. The evaluation results of vehicle insurance business of PICC Fujian Branch are obtained. Finally, the paper puts forward the risk countermeasures to the vehicle insurance business of PICC Fujian Branch, including the external risk measures, such as accident rate, unit loss cost, market rate and sales cost, as well as the underwriting risk. The measure of internal risk, such as claim risk.
【學(xué)位授予單位】：福州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.634;F272.3
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本文編號(hào)：1957219