| The enterprise annuity is a kind of supplementary pension insurance, Chinese since zero four enterprise annuity market operation. In the past twelve years,the enterprise annuity market overall growth rate is still in a tepid state, but the domestic financial institutions for their enthusiasm unabated, keen on enterprise annuity management qualification application of Xinhua life-insurance company. The second batch of applications for the trustee not approved, led directly to the development to the present, Xinhua life-insurance company enterprise annuity business is still a weak foundation, and has many strong competitors. In the face of such external environment, Xinhua life-insurance company in the future how to avoid the risk of enterprise annuity business is an important factor in determining the success or failure of the business,research is also very necessary.The enterprise annuity as asset liability management, asset liability management using the latest tools-Dynamic Financial Analysis of enterprise annuity business of Xinhua life-insurance company were analyzed. The dynamic financial analysis is a method to this insurance in developed areas is widely used. The method can not only on the insurance company's overall operational and financial forecast, can enterprises annuity business status changes to the insurance company, the implementation of dynamic monitoring, establish effective financial early-warning system. According to Xinhua life-insurance company enterprise annuity business is resource allocation tilt,the lack of technical support, internal supervision, risk control construction of these four phenomena behind the description, discovery of Xinhua life-insurance company problems and reasons respectively. Resource integration mechanism is not perfect, risk control team construction is backward,the internal control is not perfect, according to the professional ability is limited. The company,to build the dynamic financial analysis model and the simplified model applied to the Xinhua life-insurance company. Through the data analysis results for example,in order to control the risk,increase their earnings. Summarize the dynamic financial analysis of Xinhua life-insurance company solve the risk of enterprise annuity business fundamentally in memory and measures to guarantee the running effect of Xinhua life-insurance company annuity operation management implementation at the end of the whole article, but also to improve the dynamic financial analysis method to make some contribution in our country. |
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