论保险公司的风险与对策

内容摘要············································2

保险公司经营现状及存在风险··························5

对保险经营中存在风险的对策··························5

尽快建立风险管理机制····························6

建立内控体系，提升企业经营质量··················6

拓宽保险投资渠道，提高经营收益··················8

保险产品创新····································8

加强监管，提升企业核心竞争力····················8

参考书目························································10

内 容 摘 要

经过数代保险人的不懈努力，在国家政策的大力扶持下，我国的民族保险业已经开始呈现出一片百花齐放，欣欣向荣的景象。但是在国内保险业快速发展的同时，由于机制不成熟所带来的风险隐患也在日益增加，主要有风险管理机制及建立内控体系不完善、风险投资渠道不畅等方面。完善内部管理机制及建立内控监督体系、调整产品结构、拓宽保险资金运用渠道是防范和化解保险经营风险的必须手段。