發(fā)布時(shí)間：2018-09-04 12:18

【摘要】：我國(guó)保險(xiǎn)業(yè)隨著中國(guó)經(jīng)濟(jì)經(jīng)歷了30多年的高速發(fā)展而不斷壯大,然而,近幾年出現(xiàn)違規(guī)操作導(dǎo)致的保險(xiǎn)公司損失也層出不窮,迫使保險(xiǎn)企業(yè)不得不制定相應(yīng)的應(yīng)對(duì)策略。有效的操作風(fēng)險(xiǎn)管控措施對(duì)提升公司風(fēng)險(xiǎn)管理水平,改善公司經(jīng)營(yíng)業(yè)績(jī)至關(guān)重要。因此,操作風(fēng)險(xiǎn)管理成為理論和實(shí)務(wù)界的一大熱點(diǎn)問(wèn)題。 本文以Z壽險(xiǎn)公司S分公司為案例背景,在案例分析法的基礎(chǔ)上結(jié)合文獻(xiàn)綜述法、專(zhuān)家訪談法,圍繞Z壽險(xiǎn)公司S分公司的操作風(fēng)險(xiǎn)管理展開(kāi)研究。首先,對(duì)操作風(fēng)險(xiǎn)的界定、類(lèi)型進(jìn)行概述；其次,對(duì)操作風(fēng)險(xiǎn)管理理論進(jìn)行了回顧：再次,結(jié)合Z壽險(xiǎn)公司S分公司操作風(fēng)險(xiǎn)的實(shí)際情況分析操作風(fēng)險(xiǎn)管理的現(xiàn)狀、不足等；最后,構(gòu)建Z壽險(xiǎn)公司S分公司操作風(fēng)險(xiǎn)管理體系并提出了實(shí)施的保障措施。 本文的主要研究結(jié)論包括：一是對(duì)Z壽險(xiǎn)公司S分公司操作風(fēng)險(xiǎn)管理方面存在的主要問(wèn)題進(jìn)行分析,針對(duì)其存在的操作風(fēng)險(xiǎn)管理體系不健全、操作風(fēng)險(xiǎn)管理制度缺陷、操作風(fēng)險(xiǎn)控制執(zhí)行不力等,提出了健全Z壽險(xiǎn)公司S分公司操作風(fēng)險(xiǎn)管理體系、完善操作風(fēng)險(xiǎn)控制手段及提高操作風(fēng)險(xiǎn)控制執(zhí)行力等優(yōu)化建議；二是根據(jù)全面風(fēng)險(xiǎn)管理理論,結(jié)合Z壽險(xiǎn)公司S分公司操作風(fēng)險(xiǎn)的實(shí)際情況,提出了加強(qiáng)信息化管理、進(jìn)行損失數(shù)據(jù)庫(kù)建設(shè)、建立激勵(lì)約束機(jī)制及輪崗制度等具體對(duì)策；三是提出加強(qiáng)操作風(fēng)險(xiǎn)管理文化培育及提高管理層對(duì)操作風(fēng)險(xiǎn)意識(shí)等保障措施。 本文的研究成果對(duì)Z壽險(xiǎn)S分公司操作風(fēng)險(xiǎn)管控體系的建立健全具有重要實(shí)踐應(yīng)用價(jià)值,并對(duì)國(guó)內(nèi)其他保險(xiǎn)公司也有一定的參考意義。
[Abstract]:With the rapid development of China's economy for more than 30 years, the insurance industry of our country has been growing rapidly. However, the loss of insurance companies caused by illegal operations in recent years has also emerged in endlessly, forcing insurance companies to formulate corresponding coping strategies. Effective operational risk control measures are very important to improve the level of risk management and improve the performance of the company. Therefore, operational risk management has become a hot issue in theory and practice. In this paper, based on the case study of Z Life Insurance Company S Branch, combining the literature review method and expert interview method, the operational risk management of Z Life Insurance Company S Branch is studied. Firstly, the definition and types of operational risk are summarized; secondly, the theory of operational risk management is reviewed: thirdly, the current situation of operational risk management is analyzed in combination with the actual situation of operational risk in S branch of Z life insurance company. Finally, the operating risk management system of Z Life Insurance Company S Branch is constructed and the safeguard measures are put forward. The main conclusions of this paper are as follows: first, the main problems in the operational risk management of Z Life Insurance Company S Branch are analyzed, aiming at the imperfection of operational risk management system and the defects of operational risk management system. The paper puts forward some optimization suggestions, such as improving the operation risk management system, perfecting the means of operation risk control and improving the execution ability of operational risk control, etc., according to the theory of comprehensive risk management, and so on. Combined with the actual situation of operational risk in S Branch of Z Life Insurance Company, this paper puts forward some concrete countermeasures, such as strengthening information management, building loss database, establishing incentive and restraint mechanism and rotation system. The third is to strengthen the culture of operational risk management and improve the management awareness of operational risk and other security measures. The research results of this paper have important practical application value to establish and perfect the operating risk management system of Z life insurance S branch, and also have certain reference significance to other domestic insurance companies.
【學(xué)位授予單位】：西北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F842.3

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