【摘要】：我國保險業(yè)隨著中國經(jīng)濟經(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)操作導致的保險公司損失也層出不窮,迫使保險企業(yè)不得不制定相應的應對策略。有效的操作風險管控措施對提升公司風險管理水平,改善公司經(jīng)營業(yè)績至關重要。因此,操作風險管理成為理論和實務界的一大熱點問題。 本文以Z壽險公司S分公司為案例背景,在案例分析法的基礎上結(jié)合文獻綜述法、專家訪談法,圍繞Z壽險公司S分公司的操作風險管理展開研究。首先,對操作風險的界定、類型進行概述；其次,對操作風險管理理論進行了回顧：再次,結(jié)合Z壽險公司S分公司操作風險的實際情況分析操作風險管理的現(xiàn)狀、不足等；最后,構(gòu)建Z壽險公司S分公司操作風險管理體系并提出了實施的保障措施。 本文的主要研究結(jié)論包括：一是對Z壽險公司S分公司操作風險管理方面存在的主要問題進行分析,針對其存在的操作風險管理體系不健全、操作風險管理制度缺陷、操作風險控制執(zhí)行不力等,提出了健全Z壽險公司S分公司操作風險管理體系、完善操作風險控制手段及提高操作風險控制執(zhí)行力等優(yōu)化建議；二是根據(jù)全面風險管理理論,結(jié)合Z壽險公司S分公司操作風險的實際情況,提出了加強信息化管理、進行損失數(shù)據(jù)庫建設、建立激勵約束機制及輪崗制度等具體對策；三是提出加強操作風險管理文化培育及提高管理層對操作風險意識等保障措施。 本文的研究成果對Z壽險S分公司操作風險管控體系的建立健全具有重要實踐應用價值,并對國內(nèi)其他保險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.
【學位授予單位】：西北大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.3

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