我国财险公司操作风险探析及其管理对策

风险管理能力是金融企业的核心竞争力之一,在当前金融危机席卷全球的背景下,金融企业自身的风险管理显得尤为重要。从国际经验数据来看,财险公司出现财务危机或者破产的主要原因是操作风险导致的,因此操作风险的管理是财险公司风险管理的重点。本文借鉴银行业的操作风险的管理经验,对操作风险的范畴进行了界定,阐述了操作风险的特点,分析了我国财险业目前面临的主要操作风险,并提出了管理对策。

An analysis of operation risks of P&C insurance companies and corresponding management countermeasures

Risk management is one of the core competitiveness of financial enterprises,and in the current global financial crisis,risk management is particularly important.From the perspective of international experience data,the operating risk is the main reason for financial crisis or bankruptcy of P&C insurance companies.This paper analyzed the operational risk management experience of banks for reference,defined operational risks,expounded the characteristics of operational risks and the main risks of P&C insuranc...