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1、AbstractAbstractCurrently,autoinsuranceclaimsplayapivotalroleintherapiddevelopmentofpropertyinsurance.Inthemanagementprocessofautoinsuranceclaims,therearealsoalargenumberofriskfactorsledtoclaimsmanagementrisks,andwhicharenotconducivetothehealthydevelopmen
2、tofpropertyinsurancecompany.Thispaperaimstofocusoncurrentlyinsuranceresearchofoperatingrisksandinternalcontrolmethodofmainstreamtheoryforanalysisfirstly,itisdesignatedtoexploreitsadvantagesanddisadvantagesthroughtheanalysis.Afterthat,itdiscussesinsuranceo
3、peratingriskfactors,soastosummarizethegeneralrisksexistingincarinsuranceclaims.Also,ittakesaspecificcaseasaexampletoanalyzeandsummarytheformedcausesoftherisksincarinsuranceclaims,andinferencesthereasonsforformingcarinsuranceclaims.Finally,itexploresthefac
4、torsinfluencingautoinsuranceclaimsprocessingsystemoftheinternalcontrolframeworkthroughthetheoryoffiveelementsofCOSOframeworkriskmodel.Inthisarticle,itfirstlyutilizedthemethodsoftablestoclearlydemonstratevariouspoliciesandsummarizedliteratureresearch.Also,
5、ittookadvantageofpicturestools,suchasVisioandExceltoproducealargeamountofflowcharts,schematicsandsoon.Inthisway,thispapercanshowthecomplexclaimsprocess,theoreticalframeworkthroughasimplevisualdisplay.Secondly,theIII万方数据Abstractmaximumadvantageofthispaperi
6、sthat,itusedmassactualoccurredcasesofmotorclaimsofriskperformancetomakeadescription,whichmakesoriginallycomplextheoriesmoreeasytounderstandononehand.Ontheotherhand,throughtheseactualcases,itcanprovethathowthesetheoriesarewellconfirmedinpractice.Meanwhile,
7、throughinstancevalidation,thispapercanfurtherextendtheresearchontheinsufficientaspects.Theconclusionsofthispaperiscarinsuranceclaims-internalcontrolsystemofinsurancecompanyisanintegratedmanagementsystem,itisnotlimitedtolinemanagement.ItcanbesaidthatevenCl
8、aimsDepartmentputmoreeffortsonassessingtheirownpointofview,therearestillloopholesinplace,andtheseloopholesaretheriskofclaims.While,theestablishmentofinternalcontrolsystemhasconsideredtheclaimsofselfmanagementandaudi
