保证保险业务的开展,使得保险公司面临的风险越来越复杂,为此保险公司有必要提高自身的风险控制能力,优化业务流程,防控内部风险。保险公司要加强对风险的识别、分析和应对。合理量化评估并持续跟踪,对风险进行有效控制。与此同时,银行在承保和理赔的过程中要对还款期限、借款人的信用、企业的赢利能力等方面进行调查与评估,与保险公司合作,共同控制保证保险业务的风险。 To ensure the insurance business, making the insurance companies face more and more complex risks, for which insurance companies need to improve their risk control capabilities, optimize business processes, prevent internal risks. Insurance companies to strengthen risk identification, analysis and response. Reasonable quantitative assessment and continuous follow-up, effective control of the risk. In the meantime, the banks should investigate and evaluate the repayment period, the borrower’s creditability and the profitability of enterprises in the course of underwriting and claims settlement, cooperate with the insurance companies and jointly control the risks of guaranteeing the insurance business.