Optimization Research On The Risk Management In Business Process Of PICC Hunan Company

Insurance company is the main social subject which gathers risk,manages risk and provides security for economic and social development,and according to the regulatory requirements,it must be established with a perfect,scientific and effective risk management system,and be provided with a perfect risk management capabilities.However,under the long-term traditional risk management environment,domestic insurance companies exist a series of problems universally,such as a lack of risk management system and culture,a lack of risk management personnel and an inadequate use of new theory and new method in risk management,so that the ability in risk management is low.In this paper,it will take the enterprise-wide risk management theory as guidance,and explores optimization suggestions and solutions to help promote the company's risk management capabilities.This article mainly includes four parts.In the first part,it gives a brief introduction on the research background,content,significance and some related research results at home and abroad;then,on the basis of learning to master relevant knowledge of risk management,the author puts forward the supporting theory,research ideas and methods of optimization research in this paper;In the following part,it expounds the current situation of the management of PICC Hunan branch,and gives a comprehensive process in risk identification,analyzing and risk evaluation and an in-depth analysis of the causes of risk in the process of underwriting,settlement of claims,reinsurance,background internal control management;In the third section,taking to enhance the company's risk management ability as the goal,it puts forward the optimization suggestion and scheme,including establishing a comprehensive risk management framework,improving the multi-level risk control mechanism,optimizing the business process,changing the risk control mechanism,strengthening the system construction and training on culture,personnel and so on;Finally,this paper points out the implementation ways of the optimization,and puts forward the needs to provide support role for the implementation of optimization scheme from the information system to improve and large data processing ability,cultivation of risk management culture,aspects of the formation of talents strategy and effective incentive mechanism.In This study,combined with the company's risk management status,the author upholds the principle of "taking advantages of each other and suiting measures to different things",and puts forward a set of risk management optimization proposals and solutions,including the macro level such as corporate strategy,governance structure,target management,system mechanism etc.,and the micro level such as business development,operation,management and internal control etc..In the research,the author puts forward the idea of enterprise-wide risk management to replace the existing risk management ideas which bases on business supervision and internal control,and promotes to analysis the leakage performance and endogenous causes in the business flow and profit oriented form,and tap potential risks fully.The results of this study will help the company to use positive and effective measures,carry out risk control activities,enhance risk management capabilities,and achieve sustained and healthy development.At the same time,it lays a foundation for more scholars to study in the field of operation management,and it can be used as a reference for the risk management of the insurance industry.