Risk Management Research On The Major Illness Insurance Of GY Insurance Company

In recent years, there is a rapid development of social medical security system in our country. The basic medical security system is preliminary already built. It has achieved the goal of wider coverage, but the security level is low. When faced with a major disease risk, most of the people and families to afford the high medical costs. In 2012, the pilot build system of urban and rural residents medical treatment of a serious illness insurance in our country. More than four years since the implementation of the system, and achieved certain results, basic health care, improve operation efficiency, and countless suffering from serious illness seriously ill people directly benefit. The system in the process of rapid development, however, appeared a lot of risks, especially the risks of the participation of insurance industry body is most serious, if not timely resolve the risk, will endanger the sustainable and healthy development of a serious illness insurance business. This thesis will with GY of a serious illness insurance products-"GY well-being of urban and rural residents a serious illness group medical insurance" as the research object, closely connected with practice, launches the analysis research, according to local conditions of GY company a serious illness insurance products Suggestions to optimize risk management measures, for the company in promoting brand reputation, strengthen management strength and achieve the core in the process of made the decision to provide the scientific basis, and other professional health insurance company for insurance industry to carry out the relevant business to provide the beneficial reference.This thesis use risk management theory knowledge, analyzing quoted a lot of risk management theory of literature at home and abroad, mainly used the method of case analysis, using a lot of statistical data, regulatory information, charts, data and other information, statistical analysis, comprehensive carding GY company the business process of this product, in-depth analysis the business process in the risk of hidden dangers. Don't make this consensus involves six sixteen risks of businesslinks,comb and further decomposition of risk classification, induces the sixteen risk into thecommercial risk, operation risk and risk management. According to current situation of three types of risk and the company, from strong financial strength, improve the professional level, strengthen risk control, standardized operation, innovation, health management and risk of finance's check list and so on six aspects put forward concrete measures of risk management, effective risk transfer, the reasonable risk-averse, decentralized management risk and appropriate risk.The text mainly has six chapters in this thesis. The first chapter introduces the research background and significance. The research contents and structure of the framework, this thesis expounds the author's research ideas, research methods and theoretical innovation of this article.The second chapter presents the theory of risk management, Including risk management theory and literature review.The third chapter is the status quo and existing problems of GY company analysis. Objective description of GY company development present situation, analysis the problems especially the problem of a serious illness insurance products.The fourth chapter is a serious illness insurance product risk management analysis GY company. Comprehensive combing GY company insurance business process, conduct risk identification and analysis of a serious illness.The fifth chapter is a serious illness insurance GY company product risk management measures. The concrete risk control measures are put forward and applied to implement security.The sixth chapter is the conclusion and research prospect.