PC保险公司全面风险管理

经济全球化、区域一体化趋势中,政府、企业、个人,特别是作为市场主体的企业越来越注重风险管理。企业面临众多的风险,这些呈现的或潜在的风险很大程度上就是法律风险,或者将以法律风险的形式体现出来。PC股份公司遭遇旷日持久的集团诉讼案件,ZH公司面临的股东集体诉讼及相关刑事指控等案件使越来越多的经营者,管理者重视到法律风险管理的重要性。构建科学完善的法律风险管理体系是PC保险公司的迫切需要。理论指导实践,实践丰富理论。本文在介绍了通行的几种风险管理理论并比较了对法律风险管理的利弊,得出全面风险管理适合于法律风险制约。通过对PC保险公司面临法律风险的浅析浅析,总结出管理上的不足,提出公司迫切需要重构风险管理体系。然后以全面风险管理理论运用于风险管理体系设计和具体实施步骤的规划,该体系包含:管理原则和目标、风险制约组织架构、风险管理流程、管理体系的监控。为该体系的实施提出了组织管理上的倡议,分别是公司风险文化的培育、公司风险偏好和风险容忍度的确定、规章制度的落实和人员的组织与配备。最后浅析浅析了实施该体系应避开的误区。全面风险管理的核心就是要做到全方位管理、全流程监控、全员参与,目标是努力做到人人存有法律风险意识,在业务行为中防范风险。学习和研究全面风险管理对增强中国保险业抵御风险的能力,驾御法律风险,增加公司竞争优势都具有积极的现实意义。

【Abstract】wWw.shuoshilunwen.com Economic globalization, regional integration trend, the government, enterprises, individuals, particularly as the main body of market enterprise paid more and more attention to the risk management. Enterprises are facing many risks, these presents or potential risk to a large extent is legal risks Or will take legal risk forms reflected. pc insurance Co. encounter drawn-out group litigation, CHO companies faced shareholder class-action lawsuit and related criminal charges and other cases to make more and more attention to legal operators, managers the importance of risk management. Constructing scientific and perfect legal risk management system is China’s modern enterprise of urgent need.The theory instruction practice, practice rich theory. This paper introduces several popular in risk management theory and compares the advantages and disadvantages of legal risk management, it is concluded that the overall risk management for legal risk management.This research focuses on the Lean reengineering scheme design and implementation. Based on PC insurance company is faced with legal risk analysis, this paper summarizes the management problems, puts forward urgently need to reconstruct the company legal risk management system.Then with comprehensive risk management theory to the legal risk management system design and the concrete implementation steps of planning.This scheme includes management principles and objectives, risk control organization structure and the legal risk management process, the management system of monitoring. For the implementation of this system proposed organizational management recommendations, respectively is company’s risk cultural cultivation, the company risk preference and risk tolerance detennination, the implementation of the regulations and members of the organization and equipped with. In the final analysis, the implementation of this system should oid the pitfalls.Comprehensive risk management core is to do comprehensive management, whole process monitoring, participation, the goal is to strive to do all beings legal risk awareness, business behior in preventing risks. Study and research of comprehensive legal risk management to enhance China’s insurance industry to resist the ability of the risk, increase the competitive advantage has a positive practical significance.

【关键词】 全面风险管理理论;法律风险;风险管理流程;
【Key words】 Overall risk management theory;The legal risks;The risk management process;

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