The Study On Financial Risk Management Countermeasure Of Property Insurance Company

Financial management belongs to an important part of modern enterprise management, and modern enterprise management theory and practice, has been widely concerned. Financial risk management is one of the core competitiveness of financial firms. For property and casualty insurance company specializing in risk management, the risk management is particularly important. In the international arena, particularly in the insurance business in more developed countries, whether in theory or in practice, the ability of property insurance company’s risk management is relatively strong, and plays an important role in the management of the property insurance company. Since 1980, China was gradually restored property insurance business. Until 1985, China only set up an insurance company, the people’s insurance company of China. Due to the late development of property and casualty insurance industry, the poor infrastructure,the relatively extensive development model, the low risk management consciousness, means and ability, it is necessary to deepen the analysis and research on the financial risk of property insurance company, and to seek the most effective measure to control financial risk. It has a very important role for the optimization of risk management of China’s property insurance company and to promote the healthy and sustainable development.Based on the existing theory research and application at home and abroad on the basis of practice, grasping the basic characteristics of the property insurance market in China, that is rapid development, gradual innovation, but still in a state of low level balance, combining with the current status of property development and regulation of the insurance industry in our country, clearing the universality of financial risk, by analyzing the problems existing in the work of each link in the property insurance company’s financial risk management,learning from the successful experience of the developed countries in financial risk management, the paper discusses the causes of financial risk in detail. Thepaper expounds the main financial risk of property insurance company in our country at the present stage. In addition, targeted solutions and countermeasures are put forward. It helps to control and resolve the financial risk of property insurance company, and also promote the property insurance company to improve financial management ability.This paper argues that, through the analysis and research to the financial risk of property insurance company, knowing and understanding the various risks of property insurance company in financial management, we can know property insurance company’s financial risk management exists the main problems focused on the financing, investment, insurance and claim. It analyses the causes that the property insurance company produces financial risk in this four sectors, and puts forward the majority of property insurance company should use value at risk to manage the financial risk, the comprehensive control and management of enterprises of all aspects of risk. For the property insurance company, it provides the countermeasures of managing and controlling financial risk, sets up financial risk early warning system, control system and feedback system, and summarizes the optimization suggestions to prevent financial risk of property insurance companies.