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内部控制是保险企业安身立命的重要手段,是面对残酷市场竞争增强自身核心竞争力和内部挖潜提高利润空间的主要手段,是企业自身管理水平的体现,因此保险公司必须从内部控制入手,建立起一整套的公司控制风险加强管理、完善制度、稳健经营、踏实不投机的科学管理体系。我国保险公司必须重视内部控制,其控制内容必须包括销售控制、运营控制、基础管理控制以及资金运用控制这四个基本内容,如果不加强内部管理可能会出现用户保费、退保费等被挪用、保险误导性销售、中层或者高管员工挪用保费的情况。本文在探讨我国保险企业内部风险控制现状的基础上就以上经常出现的问题综述并给出解决意见。
Internal control is an important means for insurance companies to settle their own lives. It is the main means to enhance their own core competitiveness in the face of brutal market competition and improve their profit margins through internal tapping. It is an embodiment of their own management level. Therefore, insurers must start from internal control and establish A set of companies to control risks and strengthen management, improve the system, steady operation, practical scientific management system is not speculative. China’s insurance companies must pay attention to internal control, the control content must include the sales control, operation control, basic management control and capital operation control of the four basic elements, if you do not strengthen the internal management may appear user premiums, surrender premiums were misappropriated, Misleading sales of insurance, misuse of premiums by mid-level or senior management staff. Based on the discussion of the current situation of risk control in insurance companies in our country, this article summarizes the problems that often appear and gives the solutions.