Research On Financial Risk Management Of ZGRB Property Insurance Company

Since the 40 years of the reform and opening up policy,the rapid economic development has create a favorable external environment for the development of China’s property insurance market,which makes the profitability and scale of insurance companies continue to improve,but at the same time,the financial risks are gradually highlighted.In the context,it’s worthwhile to discuss the financial risk management of insurance corporation to prohibit the financial risks and to seek out suitable financial risk management ways.This article mainly studies the financial risk management of property insurance corporation.Combining with the relevant theories of financial risk management at home and abroad,this article takes zgrb property insurance company as a case study by the methods of financial report,literature research,case analysis etc.It is found that zgrb property insurance company has some problems,such as insufficient solvency,single investment structure,low return on investment and insufficient working capital.Based on the external environment of the company’s development and relevant industry data.his article puts forward the measures of financial risk management by raising money,investing,capital.First of all,in terms of financing,we should strengthen the matching management of the company’s assets and liabilities build consciousness of risk management and increase their ability of risk prevention and control,especially company reserve.Secondly,in terms of investment,analyze the investment strategy in advance.At the same time,optimize the investment structure and improve the return rate of investment.Finally,in terms of working capital,we should strengthen the management of premium receivable,focus on the management of cash flow of the company,implement budget control and implement comprehensive budget management.The whole article mainly focuses on financial risk management of property insurance corporation.,and give some relevant advice on financial risk management,which will be of great significance to improve the financial risk management level of zgrb property insurance corporation and enable the company to maintain a dominant position in the market competition.