【作者】 黄晓燕；

【导师】 刘朝阳；

【作者基本信息】 兰州大学 ， 工商管理， 2012， 硕士

【摘要】 中小企业是我国经济社会和产业结构的重要组成部分,是新的经济增长点,是最活跃的生产力,是我国社会稳定的基础。而现实中我国中小企业风险管理的意识薄弱,水平落后,风险承受能力差,后果严重,因此,中小企业实施风险管理具有重要意义。由于自身风险管理能力不强,在中小企业中建立保险机制来管理风险具有高度的必要性。本文从风险管理和保险的基本理论出发,首先对我国中小企业的风险管理现状进行了总结,论述了建立保险机制的必要性,提出了建立保险机制的流程和方法；然后全面深入地分析了士商(上海)有限公司为代表的中小企业面临的风险及存在的问题,接着按照风险管理的一般程序,选择保险这种风险转移方法,为士商(上海)有限公司建立一个中小企业将风险转移给保险公司的模式,设计出了科学有效的保险管理方案；最后对士商(上海)有限公司保险方案的实际实施问题进行了补充,最后总结了全文。通过本课题的研究,为士商(上海)有限公司的风险管理提供了解决方案和决策支持,同时更是为其它中小企业运用保险机制进行风险管理提供了参考和借鉴,以改善中小企业风险管理落后的现状,帮助中小企业的发展,促进社会进步。更多还原

【Abstract】 Risk management is a new management concept in business management. It is a scientific management methods to achieve maximum security at least cost. It is also the most economical and reasonable way to deal with risk. Risk management is a continuous dynamic process of circulation, the specific procedures include:the establishment of risk management objectives-to identify risks-and to estimate the risk of loss-the five steps of the selection and implementation of risk management program-inspection and assessment of the effects of risk management. The five steps are interdependent and mutual restraint. Insurance is a common method of risk management which can transfer risk, It is an economic system which make the compensation of losses.SMEs (Small and medium-sized enterprise) are an important part of our economic and social and industrial structure which is the new economic growth point and the most active productivity of the foundation of social stability in China. But in reality, weak awareness of the risk management of SMEs in China lags behind, risk tolerance, serious consequences, Therefore, the implementation of risk management is of significance to SMEs. With the weak ability of risk management, the establishment of insurance mechanisms to manage risk to the SMEs is of a high degree of necessity.Based on the basic theory of risk management and insurance, the thesis summarized the risk management of SMEs in China and discusses the need for the establishment of insurance mechanisms.Then it proposed the processes and methods of the establishment of insurance mechanisms. Acoording to a comprehensive and in-depth analysis of the risks and problems which SMEs is faced on behalf of Intradin(Shanghai) Machinery Co., Ltd., then in accordance with the general procedures of risk management, taking this risk transfer method of insurance, t ransfering the risks for Intradin(Shanghai) Machinery Co., Ltd..and to establish an insurance mechanism for SME to transfer the risks, to design a scientific and effective management of the insurance program; Finally, practical implementation issues of the insurance program for Intradin(Shanghai) Machinery Co., Ltd. was supplemented,then a summary was made to the full text.The study of this subject provides Intradin(Shanghai) Machinery Co., Ltd. the risk management solutions and decision support, but also provides a reference for other SMEs to the use of insurance mechanisms for risk management, to improve risk management for SMEs backward status to help the development of SMEs, to promote social progress.更多还原