Research On Cost Internal Control Optimization Of PICC Property Insurance Company

The introduction of internal cost control in insurance companies helps many insurance companies to solve the problem of pursuing profits and reducing costs,and has a good effect on the cost control of insurance companies.Since the China Insurance Regulatory Commission issued the "Basic Standards for Internal Control of Insurance Companies",more and more insurance enterprises began to pay attention to the internal control of cost and expense management,in order to reduce the waste of cost and expense phenomenon,strengthen the internal control effect of their own cost and expense.But as the people of insurance product awareness rising and the influence of the outbreak of the new champions league,the insurance product market demand has been further release,part of the cost of the insurance company internal control problems,enterprise in order to seize market share,blind pursuit of market expansion,lead to the sharp rise in the cost,sustainable and healthy development of the enterprise as a threat,Even appear enterprise loss management on the verge of bankruptcy.It can be seen that only by constantly improving the existing problems of enterprises and optimizing the internal control can we establish the internal control system of cost and expense adapted to the development of enterprises.So this article choose the insurer company of China as the research object,the internal control of Chinese insurer company cost present situation analysis,combining with the2010-2020 cost situation to understand Chinese insurer company internal control effect,found such as cost control process,problems of lack of risk control and so on,through building the appraisal model of internal control,Evaluate the internal control effect of cost and expense of PICC property insurance Company.Through the study,it is found that there are defects in the internal control of costs and expenses of PICC property insurance companies,especially the internal control environment,internal control supervision and information feedback and communication need to be strengthened,and there are certain hidden risks of control.It can be seen that the introduction of internal control does not represent the optimization of enterprise internal control of cost,so it is necessary to further explore a more optimized internal control process of cost.In this paper,the pic C property insurance Company is targeted to put forward internal control optimization strategy,from the control environment improvement,information communication enhancement and other aspects,Suggestions for optimizing the internal control of cost and expense of PICC property insurance company,as well as providing reference for optimizing the internal control of cost and expense of similar insurance companies,and further strengthening the application of internal control in cost and expense of insurance companies.