On The Aim And The Realization Measures Of The Underwrite Quality Control Of The Chinese Property Insurance Company

As the constantly transformation of system reform and manage system of Chinese property insurance company, especially along with the domestic property insurance company go on the oversea capital market, the management policy of profit goes first has been raised to a unprecedented position. To the domestic property insurance company, during a very long period, underwrite profit is the sustenance of the property insurance company's profit, as well as the inevitable way of its profit increase. The underwrite profit directly depends on the underwrite quality and the standard of underwrite quality control of the property insurance company.The essay mainly discusses the aim and the realization measures of the underwrite quality control of the Chinese property insure company, putting forward some dealing policies and suggestions, based on the systematic theory and the internal control theory. The revolving round these three elements: the concept, feature, the control aim of underwrite quality, the realization elements of quality control aim, and analyses the weakness of the key elements of the underwrite quality control in Chinese property insurance company.On such a basis, the author also parses the following five main factors for realizing the control targets of underwrite quality for property insurance company: environment, information, risk appraisal and management, control activities and monitoring and audit. He points out, during the process of controlling underwrite quality, we should regard underwrite quality control activities as multiple factor and changing dynamic system; information as the basis of internal and external communication across the overall underwrites quality control system; control as the means to optimum underwrite quality control system. Underwrite quality control should be the unity of these three aspects: information management, process control and overall optimum, as well as the intense combination and moderation of control environment, information, risk appraisal and management, control activities and monitoring and audit. Finally, he gives five suggestions about prefect the internal environment basis of underwrite quality control, completing risk management system, aggrandizement the critical link, establishing fluent information and communication mechanism and prefect internal audit supervise.