论文部分内容阅读
1.破坏性竞争风险 一些保险机构往往采用大幅度压低保险费率、支付高额手续费及无原则退费、变相回扣等不规范的手段,争抢业务,致使保险成本不断抬升。2.核保风险 保险公司面对的内部压力集中地反映在核保环节。如果在核保时屈服于承保数量的压力,盲目承保,忽视责任控制(如随意添加附加条款及特别约定),甚至会带来比降低费率更大的风险。
1. Destructive competition risk Some insurance institutions often adopt a drastic reduction in insurance rates, payment of high fees and no principles of refund, disguised rebate and other non-standard means to compete for business, resulting in rising insurance costs. 2. Underwriting risks The internal pressure faced by insurance companies is reflected in the underwriting. The risk of underwriting pressure, blind coverage and neglect of accountability controls (such as the optional addition of additional terms and special conventions) at nuclear underwriting may even result in a greater risk than reducing the rates.