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Consolidated operating conditions of financial insurance risk management and control

Author: XieHui
Tutor: ZuoGuoZhu
School: Capital University of Economics
Course: Business Administration
Keywords: Integrated financial management Risk Management Regulatory Risk Securitization
CLC: F842
Type: Master's thesis
Year: 2009
Downloads: 282
Quote: 1
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Abstract


October 20, 1949, China People's Insurance Company was established in Beijing, today China's insurance industry has developed 60 years. Throughout the development model of China's insurance industry has experienced \Integrated business model was not invented in developed countries, but the inevitable result of social and economic development, the division of labor within the financial system more complex and partnerships, resulting in between the various subsystems within the financial system, the interdependence between the various levels and mutual restraint is also significantly enhanced. Since the 80s of last century, the United Kingdom, Japan, France, the United States, Canada and other countries, through legislation, to achieve the financial sub-sector management to integrated management changes. China's financial industry since 1993 began to implement a strict \2008, by the U.S. subprime crisis broke out, almost threatening to countries around the world. The comprehensive management of the financial scale of the crisis, deeper level. American International Group (AIG) for the wrong-liability management strategy and U.S. regulatory oversight, the insurance giant from one world to become a near-bankrupt enterprises. In the same year, peace with (RMB) 23.8 billion yuan investment in Fortis stake in Fortis withheld because of the results themselves CDO product had a 157 million provision for impairment. Can be said that China's insurance industry is relatively lucky, in the early development of the domestic financial consolidated operating as soon as possible to see the risk that allows us to slow down and seriously think, with its own national conditions, there are plans to gradually extend the insurance industry's consolidated operating. But unfortunately, the crisis destroyed the insurance market image and reputation, but also because of reduced purchasing power policyholders lost a large number of traditional insurance business clientele. This paper is divided into five parts: The first part describes the meaning and characteristics of integrated management; second part of comprehensive financial management and insurance industry development history and current situation; third part analyzes the insurance industry consolidated operating risks encountered in the process; first four parts combined 2008 domestic and international situation, analyze the insurance industry consolidated operating risks incident case-AIG and peace; fifth section presents our consolidated operating in the insurance industry risk management approach. Consolidated operating conditions in the financial and insurance industry will encounter regulatory risks, internal control risk, legal risk and investment risk. Face regulatory risks, we should strengthen the information disclosure system; improve the regulatory agency coordination mechanism, establish an information sharing mechanism; simultaneously through industry self-discipline and social supervision and other regulatory authorities outside supervision to guard against risks. The face of internal control risks, we should improve the corporate governance structure, to prevent related party transactions, establishment of a suitable insurance company internal control system, so that from the company's internal risk prevention. Face legal risks, we should amend and supplement the Financial Supervision Act, improve supervision of financial holding company laws and regulations, from the foundation to take preventive risk. Investment risks, we should prevent asset liability mismatch risk, improve the investment structure to avoid negative interest rate spread, but also by household insurance risk securities to hedge risks. In this paper, the use of risk based on relevant knowledge, aims to propose comprehensive financial management in the insurance industry risk prevention measures, hoping to progress on China's insurance industry or will be integrated operation carried the risk of appearing to provide certain management advice and Methods.

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CLC: > Economic > Fiscal, monetary > Insurance > China's insurance industry
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