防范和化解保险企业风险的对策研究
摘要
风险管理是企业竞争核心之一，尤其是经营风险的保险企业，风险管理更是尤为重要。保险是金融行业的三大支柱之一，随着我国社会经济发展，我国保险企业发展不断跟进，与西方国家相比，我国保险企业起步较晚，中间又停滞多年,在风险管理意识、风险管理技术等方面都有所欠缺。我国保险企业要想提高公司竞争力和在大环境下稳定经营发展、完成保险企业战略目标，不仅需要加强保险企业的保险业务和投资业务，还需要加强保险企业对风险的防范和化解。
本文重点研究保险企业管理过程中存在的主要问题，并借鉴西方国家风险管理的方法，提出防范和化解保险企业的风险如下对策和建议:提高保险当事人的素质、加强险种创新能力，提高保险企业竞争力、加强对风险管理文化的建设、建立健全的个人信用制度、建立健全监管机制和保险法律体系。
【关键词】保险企业保险风险风险管理道德风险
Abstract
Riskmanagementisoneofthecoreofenterprisecompetition,especiallyforinsuranceenterprisesthatmanagerisks,riskmanagementisparticularlyimportant.Insuranceisoneofthethreepillarsofthefinancialindustry.WiththedevelopmentofChinassocialeconomy,thedevelopmentofChinasinsuranceenterpriseskeepfollowingup.Comparedwithwesterncountries,Chinasinsuranceenterprisesstartedlateandstagnatedformanyyears.InordertoimprovethecompetitivenessofChineseinsuranceenterprises,stabilizetheiroperationanddevelopmentintheoverallenvironment,andachievethestrategicobjectivesofinsuranceenterprises,itisnecessarynotonlytostrengthentheinsurancebusinessandinvestmentbusinessofinsuranceenterprises,butalsotostrengthenthepreventionandsolutionofrisksofinsuranceenterprises.
Thispaperfocusesonthemainproblemsinthemanagementofinsuranceenterprises.Basedontheriskmanagementmethodsofwesterncountries,thefollowingcountermeasuresandsuggestionsareputforwardtopreventanddefuserisksofinsurancecompanies:Suchasimprovethequalityofinsuranceparties,strengthentheinnovationabilityofinsurance,improvethecompetitivenessofinsuranceenterprises,strengthentheconstructionofriskmanagementculture,establishandimprovetheindividualcreditsystem,establishandperfectthesupervisionmechanismandinsurancelegalsystem.
Keywordsinsuranceenterpriseinsuranceriskriskmanagementmoralhazard
目录
31082一、我国保险企业经营过程面临的风险 (1)
10734（一）承保风险 (1)
7043（二）市场竞争性风