Research On The Financial Risk Management In The Insurance Industry

In the recent ten years of economic development,China's commercial insurance ushered in a more prosperous market environment.With the strength of the industry,the insurance industry is playing a more and more important role in the development of our country.The insurance industry has also accumulated strong capital strength,and its management is gradually perfected and gradually developed with the world.Step by step,all of which fully show that the development of China's insurance industry has entered a fast lane.However,with the continuous opening of China's market,foreign insurance companies continue to impact the market of our country,which has brought challenges to the development of' China's insurance industry.At the same time,the effectiveness of the financial risk management of the insurance industry is directly related to the market of our country.In the fierce competition of the international market,China's risk industry has experienced the survival of the fittest.Cheng,this has prepared the external environment for the merger and reorganization in the insurance industry.Under this background,the Qianhai life insurance Limited by Share Ltd actively carries out internal changes to improve the operational efficiency.However,because the financial risk management system is not scientific enough,the risk of the company is highlighted and how to manage the effective financial risk management.It has great significance for the company to achieve sustained and steady development.Financial risk management is an important part of the enterprise to achieve intensive development.The financial risk management plays an irreplaceable role in ensuring the smooth and orderly conduct of the enterprise financial activities,reducing the economic loss of the enterprise and preventing and controlling in time.It is very necessary to carry out the financial risk management of the insurance industry and analyze the insurance.The causes of the financial risk management of the industry not only provide theoretical guidance and basis for the financial risk management of the insurance industry from the theoretical level,but also provide practical methods for the financial risk management in the insurance industry from the practical level.This article includes seven parts:the first part introduces the background,significance,ideas and methods of the insurance company's financial risk management,and makes a literature review on the financial risk management in the insurance industry both at home and abroad;The second part combs the meaning,principle,classification and theoretical basis of the financial risk management;The third part and fourth part pass the phase.The relevant information is combed,the current domestic insurance industry development status and existing problems are obtained,and the reasons are analyzed.Then through interviews with the related managers and colleagues of Qianhai life-insurance,the problems of financial risk management in the Qianhai life-insurance company are obtained,which mainly exist in the lack of identification and early warning of financial risk and financial wind.The risk assessment is not accurate,the financial risk control is weak,the financial risk supervision is imperfect,and the causes are analyzed;In the fifth part,the corresponding financial risk management optimization system is set up in view of the problems existing in the financial management of Qianhai life-insurance Limited by Share Ltd,and the financial risk identification and early warning,financial risk assessment respectively.The evaluation,financial risk control and financial risk supervision are carried out in four aspects;The sixth part,according to the established financial risk management system,set up corresponding implementation measures,respectively from the financial management organization structure,the introduction of innovative talents,the establishment of financial management information system,the establishment of financial risk management system;The seventh part is the conclusion.