Discussions Of T Life Insurance Enterprise Group Capital Management Issues

Fund is the lifeblood for the survival of an enterprise.And fund management is the core resource attached great importance to in financial management,which decides the configuration and management of each business link in the value chain,playing a pivotal role in the whole financial management.Life insurance enterprises are developing vigorously,gathering a great deal of money every month,which cause high financial risk.Besides,to some extent,the effectiveness of the use of funds decides life insurance enterprises' survival,so the fund management is particularly important.For the life insurance companies with branches all over the country,there must be a mature fund management pattern matching to the high-growing premium market.Life insurance enterprises must surely consider the problem about how to effectively gather and overall use the premium fund,preventing illegal fund-raising and illegal encroachment on companies' fund and putting an end to financial risk.At present,based on the core of separating between revenue and expenditure,many world-famous large entrepreneurs have achieved funds centralized management Most of life insurance companies also have already achieved it.Life insurance enterprises have the characteristics of indebtedness,thus,insurance funds will eventually be used to make compensation or payment for the insured,but because insurance funds in the process of reimbursement is intermittent,delayed and uncertain and the development shows the diversified,assigning,wide geographical characteristics,plus the growing time and space of business,the enterprises are facing a great test and challenge of the concept,model and means of management.On the basis of reviewing and summarizing many research results,the paper clearly illuminates that healthy and effective fund management makes a great contribution to the management of life insurance enterprise groups.Focusing on the service,liquidity,security,and profitability of capital,etc,it analyzes the gap in the fund management of current T life insurance enterprise groups,proposing the key works and the new plan to achieve the high-end goal of the fund management.The paper also puts forward beneficial train of thoughts to solve the contradiction between safety and efficiency under the company management mode,which is more typical and representative.As for the research methods,the paper is mainly based on normative research and partially based on case analysis.In the process of analyzing problems,the paper uses qualitative analysis method,combining management and economics analysismethod,etc and it also involves the relevant theories of resource configuration,information asymmetry,financial control and combination between industry and finance,which not only pays attention to absorbing and drawing lessons from the advanced research results of theoretical knowledge on foreign funds management,but also emphasizes the combination of the current situation and the existing problems of the fund management of life insurance enterprises in China.Always taking the three major goals,the safety,liquidity and profitability of funds management as the inherent clue,meanwhile,the author also retrieves and learns from a lot of literature and has accumulated a wealth of predecessors' research results,putting forward the corresponding improvement measures.There are mainly six parts in this paper.The first part is introduction.Through introducing the situation of the funds management of domestic and international enterprise groups,it puts forward the practical significance of title and theoretical value.In the second part,the paper firstly explains the relevant basis of the fund management of the life insurance enterprise groups and focuses on the connotation,goals,specific characteristics and current situation of the fund management,making it clear that fund management plays an important role in the internal management of the life insurance enterprise groups.Next,with the resource allocation theory,information asymmetry theory,financial control theory and the theory of integration of industry and finance,the paper shows that establishing sound fund management system has a significant and positive influence.The third part is about the elaboration on the current situation of the fund management in T life insurance enterprise.In the fourth part,the paper analyzes the existing problems of T life insurance enterprise group,and puts forward the cause : on the background of the national finance market,T life insurance enterprise lacks relevant facilities in the money management,which reflects in the lack of scientific account management,the long chain,unbalanced development of bank transfer rate,unreasonable risk assessment and monitoring,fault lines of financial service environment,and the improperly optimal information system and so on.The fifth part puts forward the corresponding strategy of the fund management of T life insurance enterprise group,mainly including limiting the authority of the income and expenditure by the agency,optimizing the structure of accounts,widening the channel of the balance of income and expenditure,to achieve Zero Cash receipts and payment,set up scientific and efficient information platform of fund management,strengthen the risk management of group funds,as well as perfect the select mechanism.The sixth part is the summaryand outlook.Through this thesis,the author hopes to provide theoretical basis and suggestions about fund management for T life insurance enterprise and other groups.