【正文】 ..........................................207二、風(fēng)險(xiǎn)管理技術(shù)手段在國(guó)內(nèi)保險(xiǎn)公司的應(yīng)用現(xiàn)狀 ......................................................................209三、國(guó)內(nèi)保險(xiǎn)公司風(fēng)險(xiǎn)管理技術(shù)未來(lái)的發(fā)展方向 ..........................................................................210第二節(jié) 產(chǎn)險(xiǎn)業(yè)風(fēng)險(xiǎn)分析 ........................................................................................................................211一、誠(chéng)信風(fēng)險(xiǎn) ......................................................................................................................................211二、承保風(fēng)險(xiǎn) ......................................................................................................................................211三、理賠風(fēng)險(xiǎn) ......................................................................................................................................212四、財(cái)務(wù)風(fēng)險(xiǎn) ......................................................................................................................................212五、法律風(fēng)險(xiǎn) ......................................................................................................................................213六、內(nèi)控機(jī)制風(fēng)險(xiǎn) ..............................................................................................................................213七、監(jiān)管風(fēng)險(xiǎn) ......................................................................................................................................213八、人才風(fēng)險(xiǎn) ......................................................................................................................................214九、產(chǎn)品風(fēng)險(xiǎn) ......................................................................................................................................214十、展業(yè)方式和費(fèi)用風(fēng)險(xiǎn) ..................................................................................................................214十一、資金運(yùn)用風(fēng)險(xiǎn) ..........................................................................................................................214十二、數(shù)據(jù)失真風(fēng)險(xiǎn) ..........................................................................................................................215第三節(jié) 化解財(cái)產(chǎn)保險(xiǎn)業(yè)風(fēng)險(xiǎn)的對(duì)策分析 ............................................................................................215一、完善保險(xiǎn)公司治理機(jī)制 ..............................................................................................................215二、強(qiáng)化風(fēng)險(xiǎn)管控機(jī)制 ......................................................................................................................215三、轉(zhuǎn)變監(jiān)管職能 ..............................................................................................................................216四、建立誠(chéng)實(shí)可信的文化理念 ..........................................................................................................216五、理性對(duì)待，正確引導(dǎo) ..................................................................................................................216六、創(chuàng)新產(chǎn)品，提升服務(wù) ..................................................................................................................217第四節(jié) 產(chǎn)險(xiǎn)費(fèi)率風(fēng)險(xiǎn)的分析及防范 ....................................................................................................217一、產(chǎn)險(xiǎn)費(fèi)率風(fēng)險(xiǎn)分析 ......................................................................................................................217二、產(chǎn)險(xiǎn)費(fèi)率風(fēng)險(xiǎn)的防范 ..................................................................................................................219第五節(jié) 產(chǎn)險(xiǎn)公司長(zhǎng)期產(chǎn)品的退保風(fēng)險(xiǎn)管理分析 ................................................................................220一、長(zhǎng)期產(chǎn)品退保風(fēng)險(xiǎn)的危害 ..........................................................................................................220二、長(zhǎng)期產(chǎn)品退保風(fēng)險(xiǎn)的誘因分析 ..................................................................................................221三、長(zhǎng)期產(chǎn)品退保風(fēng)險(xiǎn)的管理策略 ..................................................................................................223第十章 中小型財(cái)產(chǎn)保險(xiǎn)公司的發(fā)展分析 ................................................................................................226第一節(jié) 當(dāng)前中小型財(cái)產(chǎn)保險(xiǎn)公司面臨的發(fā)展環(huán)境分析 ....................................................................226一、入世背景下的保險(xiǎn)業(yè)發(fā)展的新特點(diǎn) ..........................................................................................226二、當(dāng)前中小財(cái)產(chǎn)保險(xiǎn)公司所處的競(jìng)爭(zhēng)環(huán)境分析 ..........................................................................226第二節(jié) 中小型財(cái)產(chǎn)保險(xiǎn)公司成長(zhǎng)的成功因素分析 ............................................................................227一、競(jìng)爭(zhēng)戰(zhàn)略定位 ..............................................................................................................................228二、經(jīng)營(yíng)范圍戰(zhàn)略 ..............................................................................................................................228三、目標(biāo)戰(zhàn)略 ......................................................................................................................................229四、組織流程設(shè)計(jì) ..............................................................................................................................229五、維持安全的成長(zhǎng)管理策略 ..........................................................................................................230第三節(jié) 制約中小型財(cái)產(chǎn)保險(xiǎn)公司成長(zhǎng)的現(xiàn)實(shí)問(wèn)題 ............................................................................231一、戰(zhàn)略導(dǎo)向不明確 ..........................................................................................................................231二、主業(yè)缺乏明顯的差別化定位 ......................................................................................................232三、缺乏自主創(chuàng)新能力 ......................................................................................................................232四、沒(méi)有形成自身特色的營(yíng)銷體系 ..................................................................................................232五、基礎(chǔ)管理薄弱 ..............................................................................................................................233第四節(jié) 中小型財(cái)產(chǎn)保險(xiǎn)公司的出路與對(duì)策 ........................................................................................233一、選擇合適的競(jìng)爭(zhēng)戰(zhàn)略：差異化集中戰(zhàn)略 ..........................