The Study Of The Process Risk Control Of The Property Insurance To A General Insurance Company As An Example

2016,the development of China's insurance industry to continue rapid development momentum,the annual premium income exceeds 3 trillion increase of 28%,the overall premium scale second only to the United States,in the world,the insurance industry,total assets exceed 15 trillion yuan,contributed nearly 30%of the world.But with the development,the property insurance companies competition hots up,process of risk management and control for property insurance became focus of the company.In the increasingly fierce competition in the future do how to maximize the profit of enterprise management,for the survival and development of property insurance companies will play a crucial role,also build enterprise core competitiveness and establish the foundation of the professional brand image.In this paper,the existing property insurance industry related to risk control,on the foundation of internal control,the author explores and analyzes the process control of a property insurance company.Firstly analyzes the insurance industry is facing the main operational risks,next to the industry environment of the company using five "potter" model is analyzed,products,customers can build a set of fully reflect the company underwriting risks,claim risk and risk premiums receivable reinsurance reserve change controls the process of the evaluation system,and using the actual data through comprehensive index evaluation and comprehensive index evaluation model to verify the reliability of the ability to change the set of indicators reflect the risk,through the calculation results show that there is a property insurance company operating risk,and sums up the causes of the problems,mainly in the talent management,insurance,claim leakage,at the same time using the SWOT matrix to process control work under the new situation,the company has carried on the strategic analysis.At the end of the paper aiming at the problems the company put forward the specific optimization measures,how to improve the company internal process control system,namely the proposed insured risks,the claim risk,and the reinsurance risk,risk receivable process controls.According to a property insurance company process management as the research object,I hope that this example can provide some reference for similar companies,insurance company may face more new types of risk management process,so it needs in the actual operating process and constantly improve the process control system.