在中国公司中担任的风险管理与保险经纪人角色_[全文]

在中国公司中担任的风险管理与保险经纪人角色PHILIPELLIS韦莱能源董事长韦莱分析首席执行官中国深圳中国保险监督管理委员会大会2009年6月16日风险管理框架了解客户/行业背景机遇与挑战估算潜在损失与利润确定损失公差风险总成本量化（如果全部留存）转让选择/成本商业市场转让资本市场转让缓解风险选择/成本保护措施预防损失生产系统管理PSM避免选择/成本拒绝参与拖延战略层面实施层面留存全部留存资产负债表其它识别风险传统经纪人角色UNDERSTANDCLIENT/INDUSTRYCONTEXTOPPORTUNITIESANDCHALLENGESESTIMATELOSSPOTENTIALANDPROBABILITYDEFINETOLERANCEFORLOSSESQUANTIFYTOTALCOSTOFRISKIFFULLYRETAINED转让选择/成本商业市场转让资本市场转让MITIGATIONOPTIONS/COSTPROTECTIONLOSSPREVENTIONPSMAVOIDANCEOPTIONS/COSTDECLINETOPARTICIPATEDELAYPARTICIPATIONSTRATEGYIMPLEMENTATIONRETENTIONCAPTIVEBALANCESHEETOTHERIDENTIFYRISKS全球市场准入与经纪服务RETENTIONCAPTIVEBALANCESHEETOTHER传统经纪人角色UNDERSTANDCLIENT/INDUSTRYCONTEXTOPPORTUNITIESANDCHALLENGESESTIMATELOSSPOTENTIALANDPROBABILITYDEFINETOLERANCEFORLOSSESQUANTIFYTOTALCOSTOFRISKIFFULLYRETAINED转让选择/成本商业市场转让资本市场转让MITIGATIONOPTIONS/COSTPROTECTIONLOSSPREVENTIONPSMAVOIDANCEOPTIONS/COSTDECLINETOPARTICIPATEDELAYPARTICIPATIONSTRATEGYIMPLEMENTATIONRETENTIONCAPTIVEBALANCESHEETOTHERIDENTIFYRISKS全部留存的形成与运作建议留存全部留存资产负债表其它经纪人发展进化传统保险市场准入，全部留存，与经纪服务当今风险理解、分析和评估逐步全风险战略与风险管理和信息服务经纪人如何帮助中国公司传统保险市场准入，全部留存，与经纪服务当今风险理解、分析和评估逐步全风险战略与风险管理和信息服务全球经纪人可帮助您保持可保险风险的市场业务保有量；确保报价富有竞争力；形成并管理留存风险；为您提供全球服务根据高端信息，全球经纪人可确信您可以至少象保险公司一样透彻了解保险业有些经纪人可以提供风险转让、缓解、留存和避免的选择方案，而且可以提供外包风险管理和损失数据库和服务全球经纪人业务中现在涵盖了风险管理规划了解客户/行业背景机遇与挑战估算潜在损失与利润确定损失公差风险总成本量化（如果全部留存）转让选择/成本商业市场转让资本市场转让缓解风险选择/成本保护措施预防损失生产系统管理PSM避免选择/成本拒绝参与拖延战略层面实施层面留存全部留存资产负债表其它识别风险传统当今逐步IWOULDLIKEVERYMUCHTOTHANKCIRCFORINVITINGWILLISTOSPEAKHERETODAYABOUTTHEINDUSTRYANDHOWWECANHELPCHINESECOMPANIES,WHETHERSTATEORPRIVATELYOWNED1OURCHAIRMANJOEPLUMERISENDSHISGREETINGSTOYOUONTHISIMPORTANTOCCASIONIAMPHILIPELLIS,ANDIAMCHAIRMANOFWILLISENERGYBROKINGBUSINESSANDCHIEFEXECUTIVEOFOURGROUPANALYTICSBUSINESSOURINDUSTRYHASTRADITIONALLYBEENREFERREDTOASINSURANCEBROKING,BUTINFACTWEREFERTOOURSELVESASRISKINTERMEDIARIESTHEREISACRITICALDIFFERENCEINTHEMEANINGOFTHESETWOTERMSBROKINGREFERSTOOURTRANSACTIONACTIVITIES,WHEREWEMATCHINSURANCEMARKETSTOACLIENTSPARTICULARRISKATANAGREEDPRICEASAGLOBALBROKER,WEDOTHISINEVERYCOUNTRYINWHICHWEWORKBUTOURROLETODAYGOESWELLBEYONDTHISBROKINGFUNCTIONTODAY,WILLISANDOURGLOBALBROKINGPEERSINCREASINGLYADVISEOURCLIENTSONHOWTOMANAGETHEIRRISKS,WHETHERINSURABLEORNOTIWOULDINTHISTALKLIKETOELABORATEONTHISIMPORTANTTRENDSOTHATYOUCANDECIDEHOWAGLOBALBROKERCANHELPYOURCOMPANYFIRST,LETUSDESCRIBETHERISKMANAGEMENTLANDSCAPETOMANAGEYOURRISKS,EVERYCOMPANYSHOULDGOTHROUGHTHESTEPSSHOWNINTHISRISKMANAGEMENTFRAMEWORKTHEFIRSTFIVESTEPSPROVIDEADIAGNOSISOFYOURRISKSTHISBEGINSWITHUNDERSTANDINGYOUROVERALLINDUSTRYCONTEXTANDBUSINESSSTRATEGY,ANACTIVITYWHICHEVERYCEOLIVESANDBREATHESEVERYDAYRISKSTOACCOMPLISHINGOBJECTIVESARETHENIDENTIFIEDLOSSFREQUENCYANDSEVERITYISTHENESTIMATEDFOREACHRISKBASEDONHISTORICALDATAANDSIMULATEDPROJECTIONSOFLOSSESTHENTHISLOSSPICTUREISCOMPAREDTOYOURTOLERANCEASACOMPANYFORLOSSESYOURSOCALLEDRISKAPPETITEANDFINALLY,THETOTALCOSTOFRETAININGRISKISESTABLISHEDONLYTHENAREYOUREADYTOCOMPAREOPTIONSTOTRANSFER,MITIGATE,RETAINORAVOIDEACHPARTICULARRISKTHISTHENLEADSTODECIDINGPRIORITIESARISKSTRATEGY,FOLLOWEDBYIMPLEMENTATIONEACHOFTHESESTEPSISWORTHMUCHDISCUSSIONANDDEBATE,BUTFORNOWLETUSLEAVETHISBIGPICTUREANDASKWHATDOBROKERSDOINTHISLANDSCAPEOURHISTORYASBROKERSHASFOCUSEDONPROVIDINGRISKTRANSFERALTERNATIVESFORCLIENTS,WITHTHETRANSFERGOINGTOCOMMERCIALINSURANCEMARKETSBROKERSHAVEALSOPLAYEDAROLEINTRANSFERRINGRISKTOCAPITALMARKETS,BUTTHISHASBEENARELATIVELYMINORROLEUNTILRECENTLYINADDITION,BROKERSADVISEONFORMINGANDMANAGINGCAPTIVESINSURANCECOMPANIESTHATEXISTWITHINANONINSURANCECORPORATIONTOPROVIDEINSURANCETOTHEIRPARENTCOMPANYINCHINA,CAPTIVESARENOTALLOWED,ASIUNDERSTANDITFORMANYOFTHEWORLDSLARGESTCOMPANIES,HOWEVER,CAPTIVESEXISTFORMANYREASONSTHATWEWOULDBEHAPPYTOEXPANDONANOTHERTIMESUFFICEITTOSAYFORNOW,THATWILLISANDOTHERBROKERSHELPTOFORMANDRUNSUCHCAPTIVESTHETWOFUNCTIONSIHAVEMENTIONEDARETRADITIONALFORBROKERSHOWEVER,OURROLEISCHANGINGTODAY,WEBRINGFARMORESCIENCETOBROKINGTHANEVERBEFOREWEHAVELARGEDATABASESOFLOSSHISTORIESFORVARIOUSINDUSTRIESANDKINDSOFRISK,ANDWEAREABLETOBENCHMARKACLIENTSLOSSHISTORYVERSUSITSPEERSWEAREALSOABLETODEMONSTRATEWHETHERAPARTICULARINSURANCEPROGRAMMEISGOODVALUEFORMONEYORNOT,BYAPPLYINGACTUARIALANDMATHEMATICALTECHNIQUESANDMODELSTOTHELOSSHISTORIESANDRISKTOLERANCEASSUMPTIONSFORAGIVENCOMPANYWECANANDDOHELPOURCLIENTSDECIDEWHETHERTHEYNEEDANYINSURANCEATALL,ANDATWHATPREMIUMLEVELAPARTICULARINSURANCEPROGRAMMEBECOMESUNATTRACTIVEOURAIMINALLTHISISTOPROVIDEOURCLIENTSWITHATLEASTASGOODINFORMATIONASTHEIRINSURERSHAVEABOUTTHECLIENTSRISKSWEPUTOURCLIENTSINTHEUNDERWRITERSSHOES,ANDBYDOINGSOGIVETHEMAMUCHSTRONGERWAYTONEGOTIATETHEIRINSURANCEPROGRAMMESTHANTHEYTRADITIONALLYHAVEHADWEALSOAREINCREASINGLYPROVIDINGALLMANNEROFOUTSOURCEDRISKMANAGEMENTSERVICESFROMCLAIMSPAYMENTACCELERATIONTOGLOBALCOORDINATIONOFINSURANCEPROGRAMMES,ENTERPRISERISKMANAGEMENT,ANDOVERALLRISKSTRATEGYSOHOWCANCHINESECOMPANIESBENEFITINOURTRADITIONALROLE,WECANSERVECHINESECLIENTSRISKMANAGEMENTNEEDSBOTHDOMESTICALLYANDASYOUEXPANDINTERNATIONALLYGLOBALBROKERSCANHELPYOUATTRACTMARKETCAPACITYFORANYINSURABLERISKENSUREQUOTESARECOMPETITIVEANDFORMANDMANAGECAPTIVESWHERETHEYMAYMAKESENSEFORYOUABROADINOURNEWERROLES,WECANADVOCATEYOURINTERESTSWITHINSURERSATHOMEANDABROADBYAPPLYINGOURANALYTICTECHNIQUESTOLOSSHISTORIESAREYOUUNSUREABOUTWHETHERYOUAREPAYINGTOOMUCHFORYOURINSURANCEWECANPROVIDEANANSWERTHATWILLBECREDIBLETOYOURBOARDDOESYOURINSURANCEREALLYPROTECTYOURCOMPANYATALEVELTHATRECOGNISESYOURCOMPANYSRISKTOLERANCESWECANDEMONSTRATEWHETHERITDOESAREYOUADEQUATELYPROTECTEDFROMCATASTROPHICRISKWINDFLOODEARTHQUAKETERRORISMOROTHERMANMADECATASTROPHIESTHEGLOBALBROKERS,INCLUDINGWILLIS,HAVETHEQUANTITATIVEANDQUALITATIVEMETHODSTOHELPYOUUNDERSTANDYOURCATASTROPHICRISKEXPOSUREANDVULNERABILITIESOURENGINEERSAREEXPERTSINSURVEYINGYOURFACILITIESFORBOTHCATASTROPHICANDOPERATIONALR