转型时期寿险公司风险管控研究

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1、武汉理工大学博士学位论文转型时期寿险公司风险管控研究姓名：唐庚荣申请学位级别：博士专业：管理科学与工程指导教师：万君康;周祖德20081001范市场竞争行为，维护市场竞争秩序；二是实现监管方式从市场行为监管向偿付能力监管转变，建立有效的风险预警和偿付能力监管指标体系，及时发现和管控寿险公司的风险；三是建立健全市场准入和退出机制，特别是要完善市场退出机制，维护市场稳定；四是完善信息披露制度，强化市场监督功能。从公司层面来看，一是要实现经营理念的转变，避免盲目的扩张，注重企业效益的提高，注重企业风险的防范，将风险

2、防范纳入公司决策的范畴；二是要完善企业治理结构和风险内控制度，建立有效的内部防火墙制度；三是要加强人才的引进、培养和管理，提高员工素质，特别是要培养高素质的风险管理人才；四是加大技术投入力度，提高寿险公司技术水平、经营管理能力，提升风险管控技术平台；五是加强对企业员工的风险教育和培训，强化风险管理责任和意识，培育风险管理的企业文化，真正将风险管理融入员工的日常经营管理活动中。关键词：转型，寿险公司，风险管控，全面风险管理ⅡAbstractSincethelifeinsuranceindustrywasallo

3、wedtore．operatein1982，aftertwentyyearsofdevelopment，China’Slifeinsurancemarkethasmadeatremendousachievement．Thepremiumincomerealized446．375billionYuanin2007，lifeinsurancemarketbeginningtotakeshape．Lifeinsurancecompaniesamountto54，initiallyformedawell-struct

4、uredmarketsystem，withforeigncompanyanddomesticcompanyCO-exist，andhavesetupallkindsofcompanies，suchaslifeinsurancecompanies，theLifeInsuranceGroup，specializedcompanies，reinsurancecompaniesandintermediarycompanies．What’Smore，thesystemoflawsandregulationsandsup

5、ervisorysystemstendtoimprovegradually．Withthefullopeningupofthelifeinsurancemarket，increasingcompetitioninthemarketandcompletingshareholdingsystemreformoflifeinsurancecompanies，China’Slifeinsurancemarketisundergoingamajortransformationpedod．Thistransformati

6、onwasrepresentedinthreeaspects：Atfirst，thelifeinsurancemarketfullyopened，theinsurancecompanyincreasedrapidly，andmarketcompetitionintensifiedsignificantly，consequentlythelifeinsurancemarketstructurehasbeengraduallytransformedfromtheoligarchicmonopolytothemon

7、opolisticcompetition．Secondly，fromtheinsurancecompanyperspective，withthetransformationofthelifeinsurancecompanies，suchasrestructuringtobejoint．stockcompanies，listedandtheestablishmentofmodernenterprisesystem，operationperformancebecomestobethemaindevelopment

8、objectivesofcompanies．Thusthedevelopmentmodelsgraduallychangedfromtheextensivemodel，whichmeansthespeedistheutmostgoalofcompany，totheeconomicalgrowthmodelwhichfocusesonthestructureandbenefits，paysattent