摘要
构建全面风险管理体系已成为世界保险公司管理的大趋势。在准确理解全面风险管理内涵的基础上,保险公司需要根据发展战略,建立健全涵盖风险管理政策、组织模式、流程控制、风险应对、信息系统、风险文化在内的全面风险管理框架体系,支持和保障企业经营目标稳健实现。为了达到风险内控有标准、部门有制约、操作有制度、岗位有职责、过程有监控、风险有监测、工作有评价、事后有考核的目标,应抓好七个方面的工作:确立风险管理组织框架;加强风险管理队伍建设;培育风险管理文化;明确风险管理策略;构建风险管理制度流程;完善风险管理监督和奖惩机制;建立风险管理信息系统,提高风险管理技术水平。
It has become a major trend for insurers to establish full-range risk management systems in the world. On the basis of fully grasping the connotation of full-range risk management, insurers need to establish a full-range risk management system and framework that covers risk management policy, organizational model, process control, reaction to risks, information system, and risk awareness culture. Such a system should be able to support and guarantee realization of operational targets consistently. To achieve the 7 targets for a risk management system, namely, the existence of risk control standards, restrictions on functional departments, operational rules and policies, responsibility description for different posts, supervision for work process, oversight for risk factors, appraisal for performance and post-assessment, we should properly handle 7 type of work ： establish an organizational framework for risk management, strengthen the teams for risk management, cultivate a risk management culture, clearly communicate risk management strategies, establish risk management procedure, complete the risk oversight and award system, create a risk management information sytem, and enhance risk management skills.
出处
《保险研究》
CSSCI
北大核心
2008年第4期48-51,共4页
Insurance Studies
关键词
全面风险管理
保险公司
风险管理制度
full-range risk management
insurance companies
risk management system
