寿险分公司合规风险评价体系研究

发布时间：2018-05-07 03:18

本文选题：寿险分公司 + 合规风险　；参考：《山东师范大学》2014年硕士论文

【摘要】：目前，在经济社会深化改革的大背景下，我国的保险业也进入了深刻转型的关键时期。长期以来，保险业在迅猛发展、持续扩张的同时，一直存在粗放盲目的发展模式、非理性的市场竞争、管理薄弱、人员复杂、保险资源过度开发等问题，埋下了大量的风险隐患，造成保险行业的社会声誉不良，此外，由于保险业、保险公司自身管理不严格，非法集资、资金欺诈等违法违规行为也在大量向保险业渗透，严重制约了保险行业的进一步发展，可以说保险行业已经走入了“泥潭”。对此，近年来保险监管机构不断加大监管处罚的力度，包括治理销售误导、客户真实性检查等频出“重拳”，发现查处了大量的违法违规案件，给保险公司敲响了警钟。保险公司大都也开始高度重视防范合规风险，，并大力构建合规风险管理体系。但是由于我国保险行业合规风险管理起步较晚，研究更多的是在口号、制度、检查、文化等方面下功夫，相关的理论研究也多是定性的分析，多是在呼吁重视合规风险,虽然部分研究能够指出问题和提出措施，但缺乏可操作的工具和可量化的评价标准。由于寿险行业的矛盾更多，管理半径更多，从业人员更多，基层机构更容易发生违法违规行为，因此本文以寿险分公司为对象，旨在构建合规风险管理评价体系，实现寿险分公司合规风险状况的量化评价，解决当前合规风险管理流于表面、缺乏管理工具的问题，从而有效加强保险企业的合规风险管理，推动保险企业和保险行业健康发展。本文首先研究合规风险管理基本理论，为进一步论述奠定了理论基础，随后，分析了中国保险业监管和合规风险管理状况，并以太平洋寿险山东分公司为例，分析寿险分公司的合规风险管理状况，指出了保险业及保险公司合规风险管理方面的问题不足和风险点，并提出了合规风险管理必须指标化、体系化、量化、可评价的对策。由此，通过梳理监管法律法规要求、保险企业内部风险点，结合笔者多年的合规风险管理实践经验并进行专家调查，提炼、梳理出了寿险分公司合规风险指标及其定义、计算方式。本文的重点是通过层次分析法和问卷调查法计算合规风险指标的权重，并通过线性法和数学方法构建构合规风险评价体系，保证了体系的科学性、逻辑性和严谨性。本文还选取部分寿险分公司的合规风险指标，运用该体系进行评价，并据此对总体情况和分公司的情况进行了分析，此外，对于如何运用该评价体系提出了建议。
[Abstract]:At present, under the background of deepening economic and social reform, China's insurance industry has also entered a crucial period of profound transformation. For a long time, with the rapid development and continuous expansion of the insurance industry, there have been some problems, such as extensive and blind development model, irrational market competition, weak management, complex personnel, over-exploitation of insurance resources, etc. A large number of hidden risks have been buried, resulting in bad social reputation in the insurance industry. In addition, due to the insurance industry, insurance companies themselves are not strictly managed, illegal fund-raising, fund fraud and other illegal acts are also infiltrating into the insurance industry in large numbers. Seriously restricted the further development of the insurance industry, it can be said that the insurance industry has entered the "quagmire." In this regard, in recent years, the insurance regulator has continuously increased the intensity of regulatory penalties, including the management of misleading sales, customer authenticity inspection and other frequent "heavy fist", found that a large number of illegal cases were investigated, sounded the alarm to insurance companies. Insurance companies also began to attach great importance to the prevention of compliance risks, and vigorously build compliance risk management system. However, due to the late start of compliance risk management in China's insurance industry, the research is more focused on slogans, systems, inspections, culture, and so on. The related theoretical studies are mostly qualitative analysis, and most of them are calling for attention to compliance risks. Although some studies can point out problems and propose measures, there is a lack of operational tools and quantifiable evaluation criteria. Because the life insurance industry has more contradictions, more management radius, more employees, more grass-roots organizations are more prone to illegal behavior, so this paper takes the life insurance branch as the object, in order to build compliance risk management evaluation system. To realize the quantitative evaluation of compliance risk status of life insurance branch, solve the problem that the current compliance risk management is superficial and lack of management tools, so as to effectively strengthen the compliance risk management of insurance enterprises, To promote the healthy development of insurance enterprises and the insurance industry. This paper first studies the basic theory of compliance risk management, which lays a theoretical foundation for further discussion. Then, it analyzes the regulation and compliance risk management of China's insurance industry, and takes Shandong Branch of Pacific Life Insurance as an example. This paper analyzes the compliance risk management situation of the life insurance branch, points out the problems and the risk points in the compliance risk management of the insurance industry and the insurance company, and puts forward the countermeasures that the compliance risk management must be indexed, systematized, quantified and evaluable. Thus, by combing the requirements of regulatory laws and regulations, internal risk points of insurance enterprises, combining the author's practical experience in compliance risk management for many years and carrying out expert investigation, the author sorted out the compliance risk index and its definition of life insurance branch. Method of calculation The emphasis of this paper is to calculate the weight of compliance risk index by analytic hierarchy process (AHP) and questionnaire survey, and to construct a compliance risk evaluation system by linear method and mathematical method, which ensures the scientific, logical and rigorous nature of the system. This article also selects some life insurance branch compliance risk index, uses this system to carry on the appraisal, and then has carried on the analysis to the overall situation and the branch company situation, in addition, has put forward the suggestion to how to use this appraisal system.
【学位授予单位】：山东师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3;F272.3

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