P财产保险公司应收保费管理研究

【作者】 赵静；

【导师】 周莉莉；

【作者基本信息】 贵州大学 ， 工商管理（专业学位）， 2021， 硕士

【摘要】 随着我国经济的发展,保险市场面临着日益严峻的竞争,大多数保险公司都将临时应收保费作为实现保费规模和实现业务目标的一种手段。毫无疑问,在一定程度上确实促进了公司规模的增长,扩大了公司的市场份额,但应收账款在给保险公司增进收益的同时,为将来的公司升级发展留下了不可小觑的安全问题。导致许多应收保费无法收回,造成了相当大的损失。我国监管行业为了管理和掌控实际应收保费的风险增加,应从建立应收保费管理体系,建立完整的客户信用评价体系、信用管理模式和中介渠道信用管理模式行为来着手。保险公司的经营条件不仅将应收保费视为财务管理问题,也被视为管理中的一个突出问题。管理应收保费在国内财产保险业实施见费出单后的一定时期内得到控制。但近年来,由于政策性农业保险业务、大病保险业务和企业财产保险业务等各个方面,例如应收保险范围、分期付款业务等业务又将应收趋势增长势头逐渐放大。本文通过对P财产保险公司的市场环境和管理模式的分析,分析了保费收取的原因、现行的控制方法,当前市场环境下的信用管理、信用销售等。结合现代管理方法,提出了有效降低应收保费的管理方法且不影响业务发展。这一理论主要是以财产保险公司的保险业务先决条件,在保险公司长久发展的基础上,重点利用加强管理和优化现存的治理方式,改革创新保险公司的经营模式,提高各管理阶层领导者的责任感,完备公司的审核制度,即能在相当大的程度上减少应收保费的风险率。更多还原

【Abstract】 With the development of China’s economy,With the development of society and economy,a large number of insurance companies have been established successively,creating a fiercely competitive environment in the insurance market.Insurance companies agree that temporary premium receivable as the scale of premium and the realization of business objectives.There is no doubt that to a certain extent,it does Expand the scale of insurance companies and increase the company’s market comparison rate,but accounts receivable not only,However,the accounts receivable not only increase the income of insurance companies,but also leave a safety issue that cannot be underestimated for the future development of the company.As a result,many premiums receivable cannot be recovered,causing considerable losses.In order to control the increase of the risk of premium receivable in China,we should establish a premium receivable management system,a complete customer credit evaluation system,a credit management model and an intermediary channel credit management model behavior.The operating conditions of insurance companies not only regard premiums receivable as financial management problems,but also as a prominent problem in management.The management premium receivable is controlled within a certain period of time after the implementation of the domestic property insurance industry.However,in recent years,due to policy agricultural insurance business,serious illness insurance business and enterprise property insurance and other internal and external factors,such as installment payment business,receivable insurance scope and other rising trends again.By analyzing the market environment and management mode of P property insurance company,this paper analyzes the reasons of premium collection,the current control methods,the credit management under the current market environment,credit sales and so on.Combined with modern management method,this paper puts forward the management method of effectively reducing premium receivable without affecting business development.This theory is mainly based on the insurance business of the property insurance company,considering the development of the insurance company,mainly by improving and perfecting.The traditional governance model reforms and innovates the operating methods of insurance companies,and enhances the sense of responsibility of the leaders of various management levels,Improve the company assessment system,effectively reduce should actually be collected receivable risk.更多还原