Research On Risk Management Of A Insurance Project In YD Property Insurance Company

In recent years,the insurance industry gradually presents the financial holding development model or the shareholding model,the insurance reality further develops and presents a normative.From the perspective of third-party beneficiaries,insurance companies bear the greatest risks in insurance business,such as product risks,legal and policy risks,reputation risks,business risks,etc.,commissions gradually increased,product types and results are too single,homogeneity problems become more serious,there are more serious problems in the same industry.The problem of bad competition and the lack of stable channels for cooperation between banks and insurance companies can be found everywhere.From the current point of view,the domestic research on insurance development model and insurance problems is more in-depth,from the insurance point of view of the company's operation,but the insurance business risk management is too little,which is an important background for the topic of this paper.This paper mainly from the perspective of insurance companies,analysis of the risks that may exist in the development of insurance business,learn from the excellent management experience of western insurance risks,YD insurance companies for risk management measures to promote the insurance business to a more positive direction of development,more practical significance.In the process of study,the insurance risk category reference at home and abroad,the current situation of the development of comprehensive insurance YD insurance company,summed up the four important aspects of risk,which are insurance products,marketing channels,underwriting operation and regulatory policy.Through qualitative analysis of the four risks,select the representative indicators to carry out quantitative risk analysis.Combined with the successful experience of western countries in insurance risk management,and based on this,according to the specific circumstances of YD insurance company,the effective risk management measures are put forward for the four risks.Through the analysis of the YD insurance company insurance project risk,the insurance company to put forward the project risk management according to the five risk factors on a part,is also from the products,regulatory policies,marketing channels,and gradually increase the risk management operation etc.