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产保险公司经营涉及社会不同层次、千百万投保人和被保险人的经济利益。它集中了众多投保人的财产风险,并为个人,家庭、企业的财产安全提供经济保障,对维护家庭稳定和社会安定起着重要的作用,产险业在国民经济中凭借其雄厚的经济实力,为推动经济发展提供资金来源。如果忽视风险管理,一旦经营风险转化为损失,导致偿付能力弱化,不仅直接损害投保人的利益而且会危及财产保险公司自身的安全,进而将影响社会和经济的发展。为此,本文首先讨论了财产保险公司经营中存在的主要风险,接着分析了规避财产保险公司经营中存在的风险,最后做了总结。因此本文具有深刻的理论意义和广泛的实际应用。
Producing insurance companies involves the economic interests of different levels of society, millions of policyholders and the insured. It focuses on the property risks of many policyholders and provides financial protection for the property safety of individuals, families and enterprises. It plays an important role in safeguarding family stability and social stability. Property insurance industry in the national economy, with its strong economic strength , To provide financial resources for promoting economic development. If risk management is neglected, once the operational risk is converted into loss, the solvency will be weakened, which will not only directly damage the policyholders’ interests but also endanger the property and insurance companies themselves, which will affect the social and economic development. To this end, this article first discusses the major risks in the operation of property insurance companies, and then analyzes the risks of avoiding the existence of property insurance companies, and finally concludes. Therefore, this article has a profound theoretical significance and a wide range of practical applications.