The Research On The Comprehensive Financial Anagement Strategy Of Insurance Company

With the rapid growth of China's economy and the deepening of financial reform,China's financial sector,especially the insurance industry has been an unprecedented opportunity for development.2016 is the first year of the thirteenth five year plan,after years of development,China's financial insurance market has matured,including the development trend of the insurance industry is good.China's premium income from the initial 1 trillion and 300 billion yuan in 2010,up to 3 trillion and 100 billion in 2016,an increase of 238%.Total assets of the insurance industry has also increased from 5 trillion yuan in 2010 to 15 trillion and 120 billion in 2016,up by more than two times.2016 insurance industry investment yield 5.66%.There are many factors that lead to the decline.Low interest rate environment,resulting in a decline in fixed income products.The overall downturn in the capital market shocks,the decline in investment income by 2 100,leading the entire industry funds decreased to some extent.In addition,from the IT perspective,big data "clouds" that the insurance companies only need to focus on the application of data and the data value,the insurance company has the opportunity to easily and quickly access to the target business scene,more conducive to the development of comprehensive finance.China's current financial regulatory policy to adopt a "separate operation and separate supervision",in 13 th Five-Year,three will be combined to set up financial management committee of news,the purpose is to adapt to the needs of comprehensive financial development unified supervision,to avoid the risk of cross domain.China has initially formed a few financial group,but regulatory or regulatory subsidiary mode,while most financial enterprises are mostly able to provide products and services for the individual,no real sense of the formation of diversified and compound growth type financial industry structure,profitability and foreign and there is a large gap between the type of institution.Provides a rare historical opportunity to implement a comprehensive financial strategy for China's financial enterprises to achieve overtaking,especially the application of Internet technology,provide technical support for the implementation of a comprehensive financial background,the comprehensive development of financial cross domain cross regional possible.The United Insurance Group as the research object,analysis of small and medium-sized financial holding group model on insurance industry to carry out the strategic layout and strategic financial comprehensive implementation,through SWOT analysis,the internal and external environment analysis,process management methods such as exploratory research on how to pass the comprehensive financial management strategy effective implementation,so as to realize the enterprise low cost and high efficiency of the expansion,the establishment of barriers to competition,enhance the core competitiveness of the gold industry,the control group to implement internal comprehensive financial strategy,synergy,will build the United Insurance Group has become the characteristics of the insurance financial group.