Improvement Research Of XA Insurance Policy In Pledge And Loan Business Management Process

In recent years,China's insurance market has maintained a steady and rapid development momentum,the influence and competitiveness of the insurance industry is constantly upgrading.With the development of economy and the intensification of competition,the loan business has become an important foundation for the development of the insurance industry,especially for the small and medium-sized insurance enterprises.However,the loan risk and management level of insurance policy pledge is an important bottleneck restricting the development of enterprises.How to improve the business insurance policy pledge loan business,better meet the social demand for loans at the same time to achieve policy pledge loan risk and management process,high efficiency,solve various insurance companies need to ask important questions.XA life insurance company as a newly established insurance company,in the development of policy pledge loan,after a number of exploration,and achieved remarkable results,but at the same time,some of the risk points have gradually begun to expose.For this purpose,this study takes the XA life insurance company as the research object,and carries on the research to the policy pledge loan business process and the risk management process.Expect to be fundamentally,for the XA life insurance company to enhance the level of enterprise management,provide a direct approach and support.This study first from the theory of business process reengineering and risk management of in-depth study of the methods and steps of business process reengineering,and then combined with the basic situation of the life insurance company Xa,of the insurance companies,the insurance policy pledge loan business process management present situation analysis,summarized company policy pledge loan business process management in the existing problems;finally,XA life insurance policy pledge loan business processes and risk management in the presence of the improvement plan and to improve the implementation of the programme provides the corresponding security mechanism.