Case Study On Financial Risk Control Of XA Insurance Company

The enterprise is a risk entity,and the business process of the enterprise is a process to avoid the risk and pursue the income.In particular,insurance companies are economic units operating risk.They are specialized in underwriting all kinds of insurable risks of various risk units in the society,collecting premiums and paying insurance money.Therefore,risk management is more important than revenue management.The stable operation of risk is not only related to the sustainable development of insurance companies,but also to the risk resistance ability of financial industry.Thus,risk management is particularly important for insurance companies.Meanwhile,insurance companies also play an important role in stabilizing society,promoting capital accumulation and promoting economic growth.According to the actual situation of Chinese insurance companies,risk management focuses on XA insurance company,this thesis consists of five parts.The first part introduces the background of the topic selection.The second part briefly describes the meaning of financial management risk,that is,in the financial activities of a company when operating.The third part from the company's development,management organization and financial indicators in recent years,summed up the XA insurance company's financial risk is mainly caused by improper use of funds financial management risk;rate allocation and the implementation is not reasonable and the premiums receivable caused by excessive financial risk management;due to claims resulting in loss estimation and compensation;and from system construction from the lack of financial risk management.The fourth part to undertake the third part,from the use of funds,insurance claims,and the system construction of XA insurance company's financial risk management and put forward the corresponding control scheme.The fifth part mainly describes the inspiration from the case study.The author believes that our previous research on the financial risk mainly focus on the risk of the banking industry and the risk of investigation,business risk insurance itself how to manage the related research is the lack of risk management is the new area of the domestic risk management research.The research on risk management will help deepen the understanding of risk management of insurance companies,and hope to help prevent and dissolve the risks of insurance companies.