Research About Vehicle Insurance Business Risk Management Of PICC Fujian Branch

In recently years, as the development of social economy and the people's purchasing power, more and more people can afford a car. The quantity of vehicle increased rapidly. Meanwhile, the motor vehicle insurance became more and more important, and the market value had been appreciated. In many insurance companies, the vehicle insurance not only account for a high share of the business, but also increase fastest. As been the most important part of the insurance business, the development of vehicle insurance business can affect the whole insurance company's profit and operation state directly. At the same time, we should clearly recognize that the social insurance business is in the transition, it still got many problems. Insurance is an important means for risk reduce, so the risk evaluation and control should be the most important thing to any insurance company. To establish a good risk evaluation and control system become to be many companies" priority.This text take the vehicle insurance business of PICC Fujian branch as an example, identify the risk in operation state and evaluate system by building model, then give advice in protecting company against risk.First, the text introduces the background and significance to ensure the importance of risk evaluation and control.Secondly, the text makes a study about the theory of risk management and vehicle insurance business.Then, give a brief outline of the PICC Fujian branch and the operation of vehicle insurance business. Divide the risk of vehicle insurance business to internal and external two parts, establish 4-level index system.Last, according to the feature of the risk evaluation of vehicle insurance business, give a risk against solution for PICC Fujian branch. Make concrete valued measure for the risk, such as rising of the accident rate of vehicle being insured and any other internal risks.