广西寿险公司代理机构业务操作风险管理的研究-工商管理专业论文.docxVIP

II II THE STUDY OF INSURANCE AGENCIES’ BUSINESS OPERATIONAL RISK MANAGEMENT IN LIFE INSURANCE COMPANIES ABSTRACT Since 1979, Chinese insurance companies have fully resumed domestic business. Domestic insurance industry has made a great progress and become one of the highest developing industries. As the bond between insurer and insured, insurance agencies largely supplements and extends business operational channels, decreases the business operational cost, provides insured with diverse insurance services positively, realizes the win-win of insurance companies, insurance agencies and insured and has a positive role in thriving insurance market, improving market system and serving development of economy and society. The business operational risk of life insurance companies’ agencies is emerging while the business of insurance agencies is developing fast. In 2013, the event about the manager of Shanghai Fanxin Insurance agency company, Chen Yi, who fled with a lot of money, shocked both inside and outside of insurance industry and bring immeasurable loss to its cooperative life insurance companies. This case exposes life insurance companies’ lack of the operational risk management of insurance agencies’ business and sounds the alarm bell of business risk prevention of life insurance companies’ agencies. Early on, people have realized the business activities must be accompanied by risk and insurance industry whose main business is managing risk emerged because of such sense. In developed country, both academia and large enterprises have explored and studied the business risk and relative management method so that the risk management theory have been developed rapidly and transfer from traditional stage to comprehensive stage. But for research of insurance companies’ risk management, especially life insurance companies, it just starts from nearly 10 years age in both domestic and abroad and the research about insurance agencies’ business operational risk is quite rare.