Risk Management Problems And Countermeasures In Liaoning Branch Of China Life Insurance Coverage

At present, the development of the insurance industry China into the low tide period, the insurance company investment returns decline rapidly, once brilliant investment business does not exist. In this realistic situation, the domestic insurance companies begin to focus on the development of increased underwriting income, become the underwriting risk management which makes insurance company is very important. In this life of Liaoning in this context (hereinafter referred to as the Liaoning life insurance) management and Countermeasures of risk research, on the one hand helps to enrich the existing insurance company underwriting the risk management theory and methods, on the other hand, the suggestions presented in this paper with Liaoning life practice, can effectively improve the underwriting risk management level, so as to improve the underwriting profit.The main research contents of this paper are as follows:(1) The analysis of existing problems and management status of Liaoning life insurance underwriting risk. This part mainly through analysis of Liaoning life present business operation process and find out the existing problems, and then to provide the basis for material analysis on the next system to.(2)Analysis of the causes of Liaoning life insurance risk management problems. This analysis is based on the part of Liaoning life insurance risk problems, the causes of systematic analysis, including insurance sales agents conduct analyzes the causes of poor, successive years of decline in the efficiency of the causes of underwriting major classes of insurance high rate of disease causes and analysis. The causes of Liaoning life insurance risk management problem analysis for the next step of the Liaoning life insurance risk management countermeasures and suggestions through operational support.(3) Put forward the countermeasure and suggestion of Liaoning life insurance risk management problems. Through the domestic and foreign advanced management experience of similar enterprises in Liaoning life insurance as well as the specific problems existing in risk management, puts forward some countermeasures and suggestions on Liaoning life insurance risk management problems, which is based on the marketing system reform of insurance agent credit evaluation system establishment, underwriting staff performance appraisal system, major disease insurance underwriting rules improvement on survival, the strengthening of black ash and list management system etc..Through the research of management and Countermeasure of underwriting risk of Liaoning life, it has strong pertinence and application reference value conclusion. This study can hope to Liaoning life insurance construction risk management system to get some inspiration.