z公司财产保险核保风险管控及成本优化研究

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1、万方数据ZPropertyandCasuSUranceLompanyI_derwritingriskcontrolandcostOptimizai"underwritingriskcontrolandcost0ptimizationGraduate：HONGRUICHU，Instructor：JIANMINHE，SoutheastUniversityAbstractPropertyandCasualtyinsurancecompanies’riskmanagementcoveringunderw

2、riting，claims，reinsurance，compliance，actuarialandotheraspects，ofwhichthemostimportantisunderv,Titingriskmanagement．Underwritingaudittargetrisk，developunderwritingconditions；underwritingriskcontrolincludingunderwritingunderlyingriskidentification，risk

3、assessmentandriskselection，whichistheentranceofinsurancecompanies，thequalityofunderwritingriskcontrolwillhaveasignificantimpactoncompany’Soperatingresults，effectiveunderwritingriskcontrolCanimproveefficiencyandachieveprofitsofinsurancecompanies，enhan

4、cethecorecompetitivenessofinsurancecompanies，whichwillhelptheinsurancecompany‘Soperatingstability，andensureasustainableandhealthydevelopmentofthecompany．Thispaperbaseoftheprinciplesandmethodsofriskmanagement，propertyinsuranceunderwritingconceptsandpr

5、inciples，throughtheoreticalanalysis，multi—dimensionalpresentationtheimportanceofunderwritingriskcontrol，aswellasanalysisoftheeffectsofunderwritingriskcontrolinfluencethecompany’Scost。Usepropertyandcasualtyinsurancecompanyasthemainstudyobjecttoanalyze

6、sthestatusofthecompany’Sunderwritingmanagement，tOidentifythemainproblemsandanalyzeitscauses，tryingtoputforwardthecorrespondingimprovementmeasurestOachievethesewaystoenhancetheinsurancecompaniesunderwritingriskcontrollevelsandimprovethecompany’Scostsc

7、ontrol，andonthisbasisproposesaseriesofcontrolmeasures，suchaSdifferentiatedunderwriting，focusedunderwriting，providesanewideasonunderwritingriskcontrolunderthenewsituation．Keywords：underwritingrisk；costs；underwritingstrategy；differentiatedunderwriting；

8、focusedunderwritingnIyt、●Ia万方数据目录摘要⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯．．．⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯IABSTRACT⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯lI第一章绪论⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯。⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯．I1．1研究背景⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯l1．1．1背景及问题