The Research On Rural Social Endowment Insurance In China Taking Jilin Province As An Example

China’s insurance industry has experienced the development process which from nothing to something and depression to prosperity,and now it is entering into an unpreeedented phase.On the one hand, with China’s comprehensive national strength enhanced gradually,Especially the development of rural economy and society of our country,China’s insurance industry to develop gradually extended to the rural areas,this means that our country’s insurance companies need to be more complex and changeable market environment, grasp the development opportunity,On the other hand, with the constant improvement of China’s insurance marke,many foreign insurance companies also choose to enter the Chinese insurance market for developmenting,the current situation of the development of insurance market competition is intensifying,the insurance company in order to better profit,have to choose more on the business model innovation.China is a big people country,the rural population accounts for half of the population in our country,insurance companies to develop insurance business in the rural areas and quickly occupied the insurance market is one of the trend of the development of the insurance industry in our country.In2008the U.S. subprime crisis tells us,with the integration of the global economy,financial risk has become ubiquitous,the insurance if you want to get a more long-term development, need to build more system to guard against and dissolve the financial risk management system in terms of financial risk.Based on the above situation,this paper puts forward the concept of financial risk management system,Purpose is through the establishment of an independent insurance company internal system of departments to implement the financial risk management of insurance company.Paper by learning about insurance company financial risk management, and on the basis of the theory of the COSO internal control framework,n the three goals of the COSO internal control framework:the reliability of financial reporting,the efficiency and effect of business activities and Related legal compliance&the five elements:Control environment,risk assessment,control activities,Information and communication,monitoring,the design of our country rural insurance financial risk management system.The first, learning, and collection of the insurance and financial risk management theory and COSO internal control theory.By summarizing the domestic and foreign scholars about the rural insurance financial risk management and internal control theory,And the current situation of the development of rural insurance industry of our country are introduced and the specific reasons for the formation of financial risk.The second,analysis of rural insurance effect of internal control over its financial risk management,Combining with the China life insurance co., LTD. In financial risk management present situation and the existing risk.At last,establish and improve financial risk management rules and regulations,improve the financial department and the supervisor’s ability to execute,under the framework of internal control in our country rural insurance financial risk management system design,from three aspects,Rural insurance industry in China are put forward on how to construct the financial risk management system.