摘要
随着市场、金融以及经济的全球化扩张,企业面临的不确定性
因素越来越多,风险普遍存在。.风险管理水平的高低决定企业的市
场竞争能力,只有具备良好的风险识别和控制能力的企业才能在激
烈的市场竞争中获胜。作为本身经营风险的保险企业,风险管理是
其主要工作和基本职能,如何有效地防范各类风险更是必须关心的
问题。但由于诸多原因,人们更多的将注意力集中在保险企业经济
效益或宏观发展上,对于保险企业内部管理层面的风险管理相对关
注较少,这势必将影响公司的健康成长,不利于长远发展

保险企业的单证管理如同银行等金融企业的票据管理一样,具
有种类多、数量大的特点,是企业控制经营风险的重要环节,加上
管理环节多,工作量大,容易产生单证管理风险。保险业近年来发
生的一些违规违纪问题,使保险企业付出惨痛的风险代价和巨大的
成本。究其根源,主要为单证风险管理不到位。因此,如何构建单
证风险管理体系,有效控制单证管理风险,提高单证风险管控的水
平己经成为保险企业日益关注的问题

本文以湖南国寿的单证风险管理体系作为研究对象,在引入风
险管理的基本理论及研究方法的基础上,从单证风险管理的现状入
手,将风险理论与实际分析相结合,力求找出湖南国寿目前面临的
主要风险和成因、以及进行风险分析和防范的方法。通过对单证风
险管理体系再设计,重新构建单证风险防范体系,旨在提高湖南国
寿单证风险管理能力,防止和减少单证风险损失

关键词湖南国寿,风险管理,单证风险,体系构建
ABSTRACT
As the globalization of market, financial and economic expansion,
enterprises are facing more and more uncertainty, the risk is prevalent.
Risk management Determine the level of competitiveness in the market.
Only with great risk identification and controlling of enterprises in the
fierce market competition to get success. As insurance companies of its
own business risk, risk management is the main work and basic func
tions, how to effectively guard against all kinds of risks is to be con
cerned about. However, due to many reasons, people are more focus on
the insurance company's development of economic efficiency and ma
cro level of internal management, but for the insurance risk management
is relatively less attention, which is bound to affect the healthy growth
of the company, is not conducive to long-term development.
The document management business of Insurance companies like
banks and other financial instruments management has wide and large
quantities of the characteristics. Document risk management controlling
is an important part of business risk, coupled with management in many
aspects, heavy workload, easy to produce documents management risk.
The insurance industry has recently undergone a lot of violation of dis
cipline problems, so that the insurance company pays a painful price and
the huge cost of risk. Investigate its germ, mainly for documents risk
management does not reach the designated position. Therefore, how to
build documentation risk management system, effective control risk of
documents management, improve risk management and controlling lev
el of the documents has become a growing concern for insurance com
panies.
ii
In this paper, Hunan branch of China life insurance documentation
risk management system as a research object, the introduction of risk
management in the basic theory and research methods, based on risk
management from the status of the document to start its analysis of the
combination of theory and practice, attempts to discover the Hunan
branch of China life insurance currently facing major risks and causes,
as well as the method Of risk analysis and prevention. By re-design do
cumentation risk management system, re-build documentation risk pre
vention system, to improve the Hunan branch of China life insurance the
ability of documentation risk management, to prevent and reduce docu
mentation risk and loss.
KEY WORDS Hunan branch of China life insurance, risk man
agement, document risk,system construction
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