中国险企如何打造和强化全面风险管理.pdf

中国险企如何打造和强化全面风险管理 How to Fix the Weakest Link Build the Missing Parts for Chinese Insurers’ ERM 陈顺殷Sunny Chan 中国险企如何打造和强化全面风险管理How to Fix the Weakest Link Build the Missing Parts for Chinese Insurers’ ERM 1. 薄弱环节在那和缺失部分是什么Where is the weakest link what is the missing part 2. 支持有效的全面风险管理的文化的营造The Cultural Change to Support Effective ERM 3. 自上而下的主动的全面风险管理的举措The Top-Down Pro-active Approach in ERM 4. 以整合的方法衡量和管理风险To Measure Manage Risks in an Integrated Way 5. 险企信用风险衡量管理操作实务Credit Risk Measurement Management Practices of Insurance Companies 6. 中台设立与运作Setup of Middle Office Operations 7. 结论和建议Conclusion Recommendation 22 从大连输油管发生爆炸漏油事件说起Let’s start from Dalian’s oil spill accident 3 1 中国险企面临的风险What risk Chinese Insurers are facing 共通性风险Common Risk  保险风险Insurance risk  流动性风险Liquidity Risk  信用风险Credit risk  策略风险Strategic Risk  操作风险Operational risk  法律法规风险Legal and regulatory risk  市场风险Market risk  其他风险Other risks 独特的市场发展阶段和环境Unique Market Stage Environment 1. 在迅速增长的市场环境下对风险认知度低Low awareness of risk in a fast growing market environment 2. 长期存在的系统性风险Long-existing systemic risk 3. 明显的集中性风险Significant concentration risk 快速增长的市场、严格规管和强力管理Fast growing market, strong rules regulations, powerful management. 4 1 对集中的不同看法The different view about concentration “将你所有的鸡蛋全放到一个蓝子里……然后死死盯住