承保管理（Underwriting management）.docVIP

承保管理（Underwriting management） Underwriting Management is the general Gateway of insurance companies operating risk, and the quality of underwriting is related to the stability of the insurance companys operation and the operation benefit, and it also reflects an important sign of the management level of the insurance company. At present, with the increasing main body of insurance market in our country, the competition of insurance is becoming fiercer, and the competitors compete for the low prices of business resources, which makes the market rate continue to lower, which not only increases the difficulty of expanding the business of insurance company, but also enlarges the risk of management. In this situation, if underwriting management is not keeping up with the risk, the consequences are unthinkable. The insurance company must through strengthens the risk analysis, the scientific determination rate, the reasonable assumption risk responsibility, puts the good each business the entrance clearance, guarantees each business the quality, can continue to obtain the stable underwriting profit, then realizes fast and the good development. I. The concept and significance of insurance underwriting management The insurance company is not an owner of the insured, but the first to conduct the audit, only the risk of meeting the conditions, the insurance company agreed to underwrite. Underwriting management is the process by which insurance companies audit risks and make underwriting decisions. Underwriting management is an essential part of insurance operation. By strengthening the underwriting management, insurance companies can screen the risks, improve the underwriting quality and enhance the competitiveness in the market. To strengthen the meaning of underwriting management, there are three main aspects: first, it is advantageous to control the management risk. Insurance companies as operating risk enterprises, first of all to ensure that their own stability, no matter