Risk Management Research On Commercial Health Insurance Business Of China

Commercial health insurance as a dark horse in the current process of rapid development in the insurance industry rapid development, has been widespread concern in the community, but also become the insurance industry continues to expand service areas of important results. But we also should be noted that commercial health insurance in the actual operation, the objective existence of certain risks, in this case, commercial health insurance itself, the problems are also the overall rapid development in China’s insurance industry, environment By gradually emerged.Our health insurance premium growth, always showing a significant fluctuation trend, growth rate and the growth rate is very unstable, while the size and growth rate of premium growth relative growth rate of the national economy, it has lagged far behind is an indisputable fact that for. According to statistics provided by the relevant departments, in 2013 as a whole, China’s commercial health insurance premiums was only 112.3 billion yuan, and this figure is actually only about 50% of the domestic life insurance companies the same level of premium. The statistical data provided by the China Insurance Regulatory Commission also show that China’s current total health insurance premium scale, lack tenth life insurance premiums. This situation changed in 2014, but the ratio has not more than 15%. At the same time, the level of China’s commercial health insurance to pay a percentage of total health expenditure was only 1.07 percent of China’s medical in 2012, while the figure in developed countries is usually maintained at around 11%., The Chinese government promulgated to address the problem in 2014 and implemented and "the State Council on Accelerating the development of commercial health insurance" (the "Opinions"), which is an important milestone in the history of the development of commercial health insurance, is the first to form of government to regulate the development of commercial health insurance. "Opinions" release, for the development of commercial health insurance provides the necessary policy support is also an important guarantee for the sustainable development of China’s insurance industry. At present, domestic and foreign commercial health insurance for the development of in-depth research, forming a rich theoretical results, but risk management into research to commercial health insurance is also relatively rare..Based on the above, this paper describes the basic concepts and theoretical basis of the insurance industry, risk management, and hopes for China’s insurance industry risk management analysis of the current situation, in which the objective to identify the problems, and to China’s commercial health insurance for example, further analysis of its risk management process in the basic situation and objective problems, as a basis, from underwriting risks, claims business risk, financial risk, human risk and other aspects of the issue were more in-depth discussion, in order to further propose specific response plans, and finally to identify the Improvement of commercial health insurance risk management system primarily means and measures: establish commercial health insurance business risk management awareness, build strong risk management system, improve risk management business analysis structure, improve internal controls to establish the degree of commercial insurance. In short, this report through a systematic analysis of China’s commercial health insurance within a certain range can be effective to prevent and defuse the risk of commercial health insurance, and to reduce insurance risks provide a theoretical basis and practical guidance.