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随着非寿险市场地不断发展,我国非寿险公司必将面临着更加多样化、复杂化的风险,这必会影响到非寿险公司乃至整个保险业的生存和发展,因此建立一套科学合理的风险预警系统就显得刻不容缓。本文对当前非寿险公司的风险预警状况进行全面分析的基础上,论证了风险预警对非寿险公司发展的重要性。之后通过引入全面风险管理理论,从建立原则、系统结构、系统功能三个方面分析了非寿险公司的全面风险预警系统框架。最后探讨了其运行模式和运行过程。
With the continuous development of non-life insurance market, non-life insurance companies in our country are bound to face more diversified and complicated risks, which will inevitably affect the survival and development of non-life insurance companies and the entire insurance industry. Therefore, a scientific and rational Risk early warning system becomes imperative. Based on a comprehensive analysis of the current situation of risk warning in non-life insurance companies, this paper demonstrates the importance of risk warning in the development of non-life insurance companies. Then, by introducing the theory of total risk management, this paper analyzes the framework of comprehensive risk early warning system of non-life insurance companies from three aspects: principle of establishment, system structure and system function. Finally, it discusses its operation mode and operation process.