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论文编号：	11188
作者编号：	2320170593
上传时间：	2019/12/8 22:30:53
中文题目：	RB公司二手车保险项目风险管理研究
英文题目：	Research on Risk Management of Used Car Insurance Project in RB Company
指导老师：	于仲鸣
中文关键字：	二手车；车辆保险项目；项目风险管理
英文关键字：	Used car; Used car insurance items; Project risk management
中文摘要：	保险经济作为我国市场经济中较为活跃的一项经济元素，在推动市场经济发展方面起到了相对关键的作用。随着二手车市场的蓬勃发展，二手车保险也逐渐被保险公司重视，由于之前在二手车保险承保的过程疏忽对风险的管理，导致二手车保险的承保质量一直处于亏损状态，RB公司一直对该板块业务较为谨慎，发展缓慢。因而对二手车保险项目风险管理研究是非常及时和必要的。 本研究以RB公司二手车保险项目为研究对象，理论与实践相结合，采用文献分析法、案例分析法、风险的LEC评价法等研究工具，对二手车保险项目过程中隐藏的技术风险、外部风险、管理风险、商业风险、道德风险五个方面进行了相关探讨。并且结合作者实际的工作经验，将这些资料进行汇总分析，保证了本研究的顺利进行。 本论文首先介绍研究背景和研究意义，分析研究目的，介绍研究方法及整体结构。其次对项目风险管理理论、项目风险管理方法以及车辆保险概念做了基本的回顾。然后结合RB公司二手车保险项目的特点，阐述二手车保险风险管理的独特性，识别项目各类风险并进行风险评估，针对项目识别的主要风险做出应对措施，并给出进一步研究的建议。最后探讨了风险管理的监督和保障措施。整个研究过程，为RB公司二手车保险项目的风险管理提供了参考，也有利于促进我国保险业在二手车保险项目的可持续发展。
英文摘要：	As an economic element in China's market economy, the insurance economy has played a relatively important role in promoting the development of the market economy. With the booming development of the used car market, used car insurance has gradually been valued by insurance companies. Due to the negligence of risk management in the process of underwriting of used car insurance, the underwriting quality of used car insurance has been at a loss, RB has always been The business of this sector is more cautious and slow to develop. Therefore, research on risk management of used car insurance projects is very timely and necessary. This research takes RB company used car insurance project as the research object, combining theory with practice, using literature analysis method, case analysis method, risk LEC evaluation method and other research tools to hide the technical risks and externalities in the process of used car insurance project. Risk, management risk, business risk and moral hazard were discussed in five aspects. And combined with the author's actual work experience, the smooth progress of this research is guaranteed. This paper first introduces the research background and research significance, analyzes the research purpose, introduces the research method and the overall structure. Secondly, a basic review of project risk management theory, project risk management methods and vehicle insurance concepts was made. Then combined with the characteristics of RB's used car insurance project, it expounds the uniqueness of used car insurance risk management, identifies various risks of the project and conducts risk assessment, and responds to the main risks identified by the project, and gives suggestions for further research. Finally, the supervision and safeguard measures of risk management are discussed. The whole research process provides a reference for the risk management of RB company's used car insurance project, and is also conducive to promoting the sustainable development of China's insurance industry in second-hand car insurance projects.
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