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加强保险风险防范既是保险企业经营的自身需要,也是一项现实要求。从多年的工作实践来看,防范和化解保险风险主要是靠规范化管理。保险业务的规范化管理,是现代保险企业管理的重要组成部分,是保险经营面向未来发展的必然趋势,更是集约型经营的内在要求。尤其是在中保集团实行产、寿险分业经营的新形势下,业务管理规范化对于树立中保财险公司良好的社会信誉和形象,保持稳健经营,促进业务发展,都有着极其重要的现实意义。本文拟就财产保险的规范化管理做些研究和探讨。一、财产保险规范化管理势在必行自1980年恢复国内保险业务以来,我们各级公司在业务管理方面做了大量的工作,取得了辉煌成果。但是还没有真正迈上规范化管理的轨道,仍存在着随意性、习惯性和传统性的作法,“一个师傅一个手法”在有的公司还十分明显。目前在管理方式上有的公司
Strengthening insurance risk prevention is not only the insurance business’s own needs, but also a reality requirement. From many years of work practice, to prevent and resolve insurance risks mainly rely on standardized management. The standardized management of insurance business is an important part of the management of modern insurance companies, an inevitable trend of insurance management facing the future development, and an intrinsic requirement of intensive management. Especially under the new situation that the Group implements the production and life insurance business in isolation, the standardization of business management has extremely important practical significance for establishing a good social reputation and image of PICC Property and Casualty Insurance Company, maintaining a sound management and promoting business development. . This article intends to do some research and discussion on the standardized management of property insurance. First, the standardization of property insurance management is imperative Since the restoration of domestic insurance business in 1980, our companies at all levels in business management has done a lot of work and achieved brilliant results. However, there is still no real track of standardized management. There are still random, customary and traditional practices. “One master is one way” is still evident in some companies. There are companies that currently have management methods