Research On Risk Control Of Auto Insurance Claims In Shan Dong Branch Of Pacific Finance And Insurance

Along with economic development,people’s living conditions have been greatly improved.Vehicles are widely used in various fields such as social production,family life and so on.Vehicle consumption is growing.With the rapid increase of motor vehicle ownership in China’s auto insurance market,it not only shows great potential,but also faces great challenges.The situation of car insurance management is related to the scale,profit and development of the financial insurance company.Insurance claims fully reflect the social management function of the insurer,and it is also the key link to evaluate the business quality and service level of the insurance company.Risk is the main product of a financial company,and the most important task is to control the risk.The control level of the risk of auto insurance claims is the embodiment of the standard degree of the management system of the financial insurance company,which plays an important role in promoting the comprehensive competitiveness of the company.First,based on the analysis of the research status of vehicle insurance claims risk control at home and abroad,this paper summarizes the theory of vehicle insurance claims risk control from three aspects: vehicle insurance claim theory,insurance operation risk control theory and vehicle insurance claim risk form.Based on this theory,from the three aspects of vehicle insurance claims process,insurance claims operation status and existing vehicle insurance claims risk management and control mechanism,we analyze the current situation of vehicle insurance claims risk management in Shandong TB insurance company.The third part analyzes the existing problems of vehicle insurance claims risk management and control in Shandong branch of TB property insurance company.It elaborates from four aspects: vehicle insurance claims business personnel,vehicle insurance claims system platform,vehicle insurance claims process,vehicle insurance claims risk management and control system.Finally,from the establishment of vehicle insurance claims risk innovation control mechanism,the establishment of new claims mechanism in line with risk management and control,the establishment and improvement of the talent mechanism of claims,three aspects of building TB automobile insurance claims risk management and control mechanism of Shandong property insurance company are established.By studying the risk management and control of vehicle insurance claims in Shandongbranch of TB property insurance company,this paper can provide theoretical guidance and reference for company’s healthy development and strategic competitiveness in the automobile insurance market and industry.With the increasingly fierce competition in the automobile insurance market in China,the subject has both theoretical and practical research and discussion.