Study On The Improvement Of Property Insurance Risk Management Of Jilin Branch Of Tian'an Property Insurance Co.,ltd

With the gradual opening of China's insurance market,the rapid development of the property insurance market,the influx of new forces,the types of insurance are also changing with each passing day,but property insurance companies lack of attention to the risk management of underwriting,in the process of underwriting business due to the lack of risk survey,resulting in a huge amount of late claims.Insurance service has developed from providing basic insurance liability to today,social development has promoted the progress of insurance market,and basic insurance is far from meeting the demand of consumers for insurance.Whether the value-added service can provide comprehensive insurance has become an important part of the market competition for insurance companies.With the rapid development of the market,insurance companies have to adapt to the era of risk management,upgrade service model,adjust marketing strategies,and meet the needs of consumers for insurance.However,due to the environmental factors of external market competition,the poor management of internal enterprises,the lack of follow-up of risk management team construction and the frequent occurrence of accidents of the public,etc.,the insurance companies have caused significant economic losses.In the face of such a fierce competitive market,only through continuous innovation and reform,to adapt to the market environment,to create a set of management methods suitable for their own development,is the right problem to face at present.Based on the current situation of Tianan financial insurance,this paper introduces the current business environment and business barriers of Jilin Branch of Tianan financial insurance.Through consulting the relevant insurance risk management literature and combining with case analysis,this paper analyzes the internal control management and underwriting business process of Tian'an financial insurance,expounds the existing risk management problems in the underwriting process of the company,and then studies the existing risk management problems,and puts forward the improvement objectives and key points.At last,the paper expounds the improved risk management,and provides the guarantee measures for the improvement plan.The purpose of this paper is to establish a more up-to-date insurance concept by analyzing the underwriting risk management of property insurance of Tian'an,take the risk management concept as the new marketing mode of Tian'an,deeply convey an insurance concept to consumers,publicize the suggestions of risk management,spread the experience and technology of risk aversion,and reach a win-win consensus in cooperation,which is the embodiment of insurance The value of real value-added services.Realize the specialization of risk identification,the independence of risk management,the automation of risk survey,the differentiation of insurance marketing,the high quality of claim settlement service,improve the risk control ability of the company,provide professional and scientific risk assessment opinions and suggestions with efficient services,and build a new type of international financial and insurance group that strives to be the first.