Research On Underwriting Risk Control Of Ming An Insurance Co., Ltd

At present, more institutions and individuals began to risk control research andattention to underwrite, strengthen underwriting system construction, insurancebusiness risk control. The advanced risk management through the development of riskmanagement planning, implementation of on-site risk survey, write risk survey reportand a series of work, to collect detailed for underwriting underwriting standards,provide a scientific risk evaluation suggestions and comments, become the primarysource of information for supporting the underwriting and important te chnology.Therefore, to cultivate and improve risk management techniques, the insurancecompany discrimination, choose the better quality of service, is of great significanceto avoid the insurance company procedures and personnel problems.The author worked in the Ming An insurance, the China Insurance as an example,the risk control of the insurance is analyzed. First of all, starting from the relevanttheories at home and abroad, analysis of the causes of risk management of propertyinsurance company, and reviews the related literature. The second chapter analyzescurrent situation of underwriting risk control on the Ming An insurance business andrisk, points out that the Ming An insurance mainly exist which aspects, and analyzesthe causes of formation. According to the analysis of the content of the previous twochapters, the third chapter of this paper presents optimization measures and Strategiesof the Ming An insurance underwriting risk, operational risk, optimize the strategicrisk, insurance risk, financial risk, the reserve risk aspects. Finally, in order to ensurethe effective implementation of the Ming An insurance risk control optimization, putsforward the talent team construction, accountability and reward combination,classification authority, improve business process and implementation of security.Through the research on the risk control of the Ming An insurance underwritingand related strategy, has great practical significance to the long-term development ofthe company, and the other is engaged in insurance or finance other types ofenterprises have a certain reference value.