Analysis Of Financial Risk Management And Control Of Property Insurance Companies

At present,the asset liability ratio of Chinese insurance companies is higher than 80%.Because of the high leverage caused by high liabilities,it will bring great financial risks to insurance companies.The level of solvency is the main yardstick for evaluating the size of financial risks of financial companies.Therefore,the measurement of the solvency of the financial insurance company has a good effect on the financial risk companies to avoid financial risks.This article from the insurance company's solvency adequacy ratio in the perspective of the property insurance company's financial risk analysis,the indicators of solvency adequacy rate through empirical analysis model and verification of effect of insurance companies,and then put forward the measures to effectively deal with the solvency crisis.This article is a total of five parts.The first part is the introduction and the related research status at home and abroad.It discusses the value and background of this paper,as well as the thread and breakthrough point of this paper.First,we use the data in recent years to illustrate the rapid development of insurance industry,and there are also some problems,such as financial risk,solvency and so on.Then,through the introduction of the relevant domestic and foreign literature in the fields of financial risk,solvency,and other fields,the research results on this aspect are introduced.Finally,it shows the thinking and innovation of this paper.The second part introduces the related concepts of financial risk and the form of financial risk of financial risk companies.At the beginning of this chapter,the related concepts of risk and financial risk,as well as its particularity,are the typical debt management.Then it puts forward the manifestation of financial risk of property insurance company.Solvency risk,capital risk,investment risk and profit risk are four manifestations.The solvency risk is the most important form of financial risk.The third part mainly analyzes the internal and external factors that affect the solvency of the financial insurance companies.This part is the core chapter of this article.This article mainly analyzes the factors that affect the solvency from the two aspects of the internal and external aspects.The internal factors chosen include capital structure,asset factors,business level,profitability,business stability,pricing risk factors,and management factors.The external factors include macroeconomic factors,insurance market factors and natural environmental factors.In the fourth part,the paper makes an empirical analysis on the factors affecting the solvency of the financial insurance companies in the third part.11 variables are selected as explanatory variables,and the solvency adequacy ratio is interpreted as an explanatory variable.According to the availability of the number,the data of 31 representative financial companies in the country are selected in this paper.In this paper,the panel model is used to analyze the selected data,and finally the conclusion is drawn.The fifth part,according to the empirical results of the fourth part,draws the conclusion that the strengthening of external supervision and increase of shareholders' capital injection can only promote the financial companies to improve their solvency.However,it needs to be hardened by themselves.From the enterprise,we should strengthen the management,improve the management ability of the use of funds,control the internal risk,increase the insurance profit and reduce the rate of payment.