保险企业风险防范措施研究毕业论文.doc

毕业论文 （20_ _届） 保险企业风险防范措施研究 摘 要 保险企业采取有效的应对经营风险能够有利于保险企业的正常发展，在我国保险行业正处在发展之中，保险企业抗风险能力比较弱，市场竞争能力不强，行业的发展非常需要一个更加良好的经营环境。保险行业迫切需要寻找应对经营风险的措施，本文主要对保险企业风险防控的现状、成因及其防范措施进行探讨，以期降低保险企业经营风险、提高效益就显得具有十分重要的意义。 通过对保险企业风险的归类以及认识，对国内保险企业风险问题进行系统的整理研究。本文结合太平洋保险公司对经营风险的管理，围绕国外保险企业的应对措施和国内保险企业风险应对措施的不同，找出适合目前国内保险企业经营中对风险的应对措施和存在的不足。提出适合国内保险企业应对经营风险的新措施，为国内保险企业经营风险防范提供参考。 关键词Abstract Insurance enterprises adopt effective response management risk can benefit the normal development of insurance enterprises in our country insurance industry is in developing, insurance enterprise anti-risk ability weak, the market competition ability is not strong, the industrys development very needs a more good management environment. The insurance industrys desperate for coping management risk measures, this paper focuses on the insurance enterprise risk prevention and control the situation, causes and prevention measures are discussed, in order to reduce insurance enterprise management risk, improve efficiency seems have very important sense. Gold centralized management! Grassroots done various endowment. Gold deposit in full source did funds management department base. Layer by the funds utilization ways do make unified management. Configuration! Through the centralized fund establish funds unified tube.Richard and operation platform realize liquidity interest rate risk tube.Richard and credit risk management of moderate separation improve wind.Risk management efficiency and level! How to establish timely, proactive risk management system has become a major insurance companys challenge. Around foreign insurance enterprise measures and domestic insurance enterprise risk response measures, and find out the suitable present different domestic insurance business for risk measures and the deficiency. This paper proposes some domestic insurance enterprise to business risk of new measures for the domestic insurance enterprise management, risk prevention to provide the reference. Keywords: Insurance;Ent