XX Insurance Company Accept Insurance Risk Prevention Research

In recent years, large foreign property-casualty insurance companies to enter the Chinese market. These companies to enter, injected fresh blood into the Chinese insurance market, enhance the vitality of the insurance market in China, it is important that they enter, insured insurance industry in our country to bring the latest technology, advanced risk control concept, for the rapid and healthy development of the insurance industry of our country played the effect that cannot replace. However development still exist behind the great realistic problem, in many grass-roots company acquisition process, risk control concept is still backward, and only rely on experience underwriting is common, these are the industry need to continue to study improvement.And compared with the bank to finance, insurance company accept insurance business is the concentration of the risk. And compared with the life insurance for the insurance industry, insurance companies underwriting risk still outstanding performance in the volatile, loss of law is not easy to grasp, it is pulled open life insurance and the insurance industry profits and important reason of premium income, insurance risk in the insurance company’s overall risk occupies the most proportion, which has close ties with the insurance company’s business type. So the accept insurance is the core of general insurance company risk control problems, is the breakthrough point of the insurance company risk control, is each company cannot avoid major management issues. Intuitive understanding comes from the insurance company of underwriting risk reserve fund and the deficiency of the premium, the two financial problems is the intuitive reflect underwriting risk in the data, the former produces random factors, risk factors and the latter because of errors caused by risk factors.How to make a lot of advanced foreign technology, the company’s insurance claims to absorb, is our country insurance company needs to consider problem, here, in line with international standards to establish advanced risk management is particularly important, in addition, the implementation of the scientific risk management techniques, in the covered work give full play to the role, is also we need to keep thinking of problem. Therefore, how to according to the company’s solvency, and calculate the compensation cost, on this basis, understand the company’s specific business situation, set up a risk transfer mechanism, is the insurance company, insurance market, the insured, and supervisors face common problems. Will this problem solving general insurance company has a good relationship with the development of progress, testing the company leadership management ability, and academia to discuss an important issue.