Research Of Insurance Claim Risk Management Problems And Countermeasures Of PICC Anshan Branch

Since the reform and opening up more than 30 years,China's insurance industry has experienced resuscitation period and extensive management period,has gradually entered the transition and reform period.With China economic system transformation and after joining the world trade organization,insurance competition pattern was changed from PICC exclusive monopoly into many insurance companies whether China or other countries to complete the full competition.A large number of foreign insurance companies had entered the domestic market,the insurance industry market competition is more intense,operation mode and management process more standardized,and competition is becoming increasingly intense.In order to ensure business scale,improve market share,insurance companies have taken lower rates to fight this kind of bad competition way,the responsibility of the insurance mark of a gradual increase in the same premium,both increased the difficulty of business development,but also diluted underwriting profit space.The social integrity mechanism is not perfect,some people use all kinds of claims risk between the activities of insurance company manage to take fraudulent way to cheat insurance compensation,leading to the insurance company payment rate gradually increased,and the difficulty of operation management is gradually increasing.In the internal management of the insurance company,"pay attention to business,ignoring management" management thought has become the common misunderstanding,management ideas such so-called "Grasp huge,release small " will cause the company pay much attention to the scale of business,the lack of the concept of cost control,lack of management means of settlement risk.Therefore,this thesis set the claims risk management of PICC Anshan branch as the research object,firstly the background and significance of the research on the general introduction of the claim risk management,and summarized the risk management and the risk of claims related to representative literature review,provides theoretical basis for the study of the scholars in the city of Anshan property insurance claim risk and Countermeasures the company's management problems.Secondly,the introducer PICC Anshan branch of its own,including company profiles,business analysis,settlement risk analysis of the status quo,citing the company nearly three years of underwriting and claim business data,through data collection and statistics method,on the company's current claim risk management are summarized.Then from the subjective and objective analysis of two different levels of corporate management activities in all kinds of claims risk management issues.In the process of analyzing the problem,the cause of the problem is analyzed and explained in detail.Once again,based on the comprehensive risk management theory,the company's existing claims risk management system to improve the design,and proposed to improve the risk management and control of the required security measures.Finally,summarize and draw the conclusions of the research,analyze the shortcomings of the paper and prospect the future research direction of the risk management.