沈阳人保财险风险管理研究.docx

摘 要我国的保险行业正面临着新的发展时期，保险业的迅速增长、费率市场化的逐步推进、外国保险业进军国内市场。使得国内保险市场竞争加剧，保险公司面临着更加多变复杂的市场环境。虽然中国人民财产保险公司在国内财险公司中风险管理是佼佼者但与国外的财险公司相比还有很多的不足之处。本文主要有5个部分构成，从沈阳人保财险公司的风险管理现状及问题入手，文章首先引用了风险、风险管理相关的理论，介绍了风险管理流程，对沈阳人保财险公司的风险管理现状进行了分析，提出了沈阳人保财险公司风险管理所面临风险管理构架不完整、理赔人员道德低、针对竞争风险、保险风险和财务风险管理过程中的问题，进而对沈阳人保财险公司的风险管理进行了研究。最后，凭据前文的分析，提出解决风险管理相关问题的对策建议。为完善沈阳人保财险公司的风险管理体系提供思思绪和借鉴。同时为于全省的财险公司的风险管理具有参考的作用。关键词：风险；风险管理；精细化风险管理AbstractChinas insurance industry is facing a new period of development, the rapid growth of the insurance industry, the gradual advancement of the rate of market, foreign insurance industry to enter the domestic market. Making the domestic insurance market competition intensifies, insurance companies are facing a more complex and complex market environment. Although the Chinese Peoples Property Insurance Company in the domestic property insurance companies in the risk management is the leader but compared with foreign property insurance companies there are many deficiencies.This paper mainly introduces the risk management process and introduces the risk management process, and analyzes the current situation of the risk management of Shenyang PICC Company. The author analyzes the current situation and the risk management of the Shenyang Peoples Insurance Company This paper puts forward the problems that the risk management framework of Shenyang PICC risk management is not complete, the moral hazard of the claimant is low, the risk of competition risk, the risk of insurance and the process of financial risk management, and then the risk of Shenyang PICC Management was studied. Finally, according to the previous analysis, the author puts forward some countermeasures and suggestions to solve the problems related to risk management. And provide the train of thought and reference for perfecting the risk management system of Shenyang PICC. At the same time for the provinces property insurance companys risk management has a reference role.Key words:Risk; Risk Management; Fine r