HX Life Insurance Company Comprehensive Budget Management Research

Comprehensive budget management,as a kind of internal control of enterprise management tool,the rational allocation of corporate resources,realize the company strategic role,playing a more and more of the earth has been inseparable from the comprehensive budget management in modern enterprise management.In 2001 after China's accession to the WTO,China's insurance industry in the face enormous opportunities for development,some new insurance company and set up rapidly in the national start organization,our country insurance market to maintain strong growth momentum,the total assets and business scale of rapid growth,structural adjustment effect,effectively guard against risk,the escort role in the national economy development more and more important.But at the same time also face the challenge of the foreign counterparts increased competition in the insurance industry,insurance company needs to be a kind of can enhance their management level of management tools.Comprehensive budget management is an effective internal management system,can help insurance companies to grasp the information in time,seize the market opportunities,improve enterprise management ability,enhances the risk resistance ability of the company,and finally improve enterprise's core value and comprehensive competitiveness.In the aspect of enterprise comprehensive budget management at home and abroad very much,the number of theoretical literature research method,scope,content is also very wide,its practice are mainly concentrated in large industrial and commercial enterprises and groups,comprehensive system introduced our country insurance company comprehensive budget management,relatively few monographs.Himself in an insurance company engaged in financial work plan for many years,from basic level,at present in corporation finance department responsible for the management of the national budget,budget has a wealth of management experience,some of the thinking and understanding in the work.HX life insurance company is emerging in China insurance company's excellent representative,scientific and standardized corporate governance structure and management decision-making science is rigorous,in recent years in the business specification and budget management has achieved good results.Companies from the initial budget management to learn from to become small and medium-sized insurance companies,benchmarking has set up a relatively mature and complete system of comprehensive budget management,powerful promoted the company's business development,benefits increase year by year.Taking HX life insurance company comprehensive budget management as an example,the budget management organization system from the company of the composition and the duty,budgeting process,formulation of budget summary,work plan,the main contents of the budget management,budget control and examination of seven aspects,such as all-round detailed introduces the company to conduct a comprehensive budget management theory to guide the work,ideas and methods.Particularly introduced the company of the development of the implementation of comprehensive budget management,budget management control rules,evaluating the operating conditions,etc.,have very strong maneuverability,to our country small and medium-sized insurance companies to implement the budget management has a very good reference and reference.But we still see,although the HX life insurance companies through the implementation of comprehensive budget management,has obtained some achievements,the company in the comprehensive budget management,there are still some imperfect functions of management of overall budget management to recognize and value degree is not high enough,conceptual change is not completely;In the budget establishment,examination and analysis of the application there is a lot of confusion;Comprehensive budget management is not very good and corporate strategy matching consistent;Comprehensive budget management control,motivation,evaluation,and other functions also failed to get into full play,and the application effect in the company and the efficiency is not high.Through the study of this article,therefore,in order to in the current competitive market environment,enhance our understanding of the comprehensive budget management of insurance companies,discussed to improve the comprehensive budget management effective application in company management practices have very important theoretical value.