Diagnostic Study On Operational Risk Management Of X Life Insurance Guangdong Branch

With the development of China's economy,the insurance market is expanding.China is the second largest insurance company in the world.By the end of 2018,the insurance premium nationwide was 38,01,662 billion yuan,with 183,30,892 billion yuan in total assets.At the same time,risks are accumulating.The insurance industry has always been a high risk area due to the low education level,high turnover and large number of employees.Misleading insurance sales,insurance fraud,false insurance policies and so on,not only harm the rights and interests of individual insurance consumers,but also make the public credit of the entire insurance industry is low,hindering the further development of the insurance industry.This paper adopts the combination of qualitative and quantitative method,using the X life guangdong branch operation risk management of history data analysis,questionnaire and depth interview,such as tool,reference to regulators on the branches of an insurance company operating risk management standard of grading,X life guangdong branch operation risk management for the diagnosis research of X life guangdong branch operation risk management problems put forward the corresponding improvement scheme.This paper studies the main content of the guangdong branch of X life are operational risk management,the author through to the X life guangdong branch according to the analysis of the operational risk management as well as their own in the branches of an insurance company risk control line work feeling,the branches of an insurance company defects in operation risk management improvement plan.This paper first introduces the research background and significance,briefly describes the previous research results,and introduces the related concepts of operational risk management.At the same time,it summarizes the research content and research methods of this paper.Then,on the basis of explaining the current situation of operational risk management of X life guangdong branch,a diagnostic study was carried out on the operational risk management of X life guangdong branch.Through longitudinal comparison of historical data,questionnaires and in-depth interviews for employees and customers respectively,this paper finds out the problems existing in the operational risk management of X life guangdong branch,and makes an in-depth analysis on the causes of these problems.In the end,the article combines the diagnostic research content and puts forward the following Suggestions based on the basic theory of enterprise internal control: cultivating a good enterprise culture,improving the relevant incentive mechanism,perfecting the internal control system and standardizing the operation process of information technology can effectively reduce the occurrence of operational risks.The author hopes thatthe diagnostic study in this paper can help X life guangdong branch to find suitable operational risk management methods and improve the core competitiveness of X life guangdong branch by improving the operational risk management of X life guangdong branch.