Evaluation classification: solvency risk management is evaluated from two perspectives: system integrity and compliance effectiveness. The perfect score is 100.
1, Risk Management Basis and Environment (20 points): Mainly aimed at the basic work of risk management such as risk management organizational structure, solvency risk management system and risk-oriented evaluation mechanism.
2. Risk objectives and tools (10): mainly aimed at risk management objectives and auxiliary measures such as risk preference system, risk management tools and risk information system.
3. Seven types of risk management (65,438+00 points each): It mainly aims at the identification, evaluation and response of specific risks such as insurance risk, market risk, credit risk, strategic risk, reputation risk, operational risk and liquidity risk, and requires clear systems, processes and functional responsibilities to ensure effective management and control of various risks at the daily business level.
Problem summary: solvency risk management evaluation is evaluated from many aspects, and must not be evaluated singly. Comprehensive evaluation should be conducted to select the most reasonable evaluation result.
Common ways to deal with extended data risks are:
Risk aversion: passive risk aversion. For example, houses can be sold to avoid fires, and land transportation can be used to avoid aviation accidents. Because of the following problems, it is generally not used.
It may bring additional risks. For example, air transport to land transport, although avoiding aviation accidents, faces the risk of accidents in land transport.
Will affect the realization of business objectives. For example, in order to avoid production accidents and stop production, the profit target of enterprises can not be achieved.
Risk prevention: take measures to eliminate or reduce the factors that lead to risks. For example, in order to prevent the warehouse from being flooded, adding flood gates and heightening flood levees can greatly reduce the losses caused by floods.
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