摘要
大病保险是公共产品,它虽然具备一般商品的盈利属性,但更多具备的是"让利于民"的非盈利属性。对于商业保险公司内部管控而言,大病保险业务由于其政策性强、业务规模大、社会影响大、经营原则的特殊性以及经营管理的专业性等特征,一直作为内部管控的重中之重。本文主要分析了商业保险公司大病保险的内控风险及其产生的原因,同时提出了问题的解决思路,目的是通过对大病保险全流程的严格监控,促进政策性大病保险业务的依法合规运营、保本微利经营,在为基本医疗提供补充和保障,充分担当社会责任的同时,严控公司经营风险。
The critical ill insurance is a kind of public product. Even if it has the earning attributes like the ordinary commodities, it has more of the non--profiting features of giving benefit to the people. In the commercial insurance companies, the critical ill insurance has always been the emphasis of its in- ternal management and control, as it has the characteristics of powerful policy, large scale, wide social influence, special in managing principles and professional in management. This paper analyses the risks of the internal control in commercial insurance companies. The causes and possible resolutions are also suggested. The aim is, by strictly supervising the whole process of the critical ill insurance, to promote the critical ill insurance business to be operated according to laws and regulations, breaking even and with low profit, providing compliment and guarantee for the basic medical system, assuming the social responsibility, and at the mean time, controlling the operating risks strictly.
出处
《保险职业学院学报》
2016年第2期66-69,共4页
Journal of Insurance Professional College
关键词
大病保险
内控风险
解决思路
Critical ill insurance
Internal control risk
Thought of resolution
