我国保险企业财务风险及成因分析——以中国人寿为例.docxVIP

PAGE PAGE III 摘要 从多年来中国保险业的发展历史来看，客观地说，中国的保险市场还处于起步阶段，成熟的发达市场还有很长的路要走。近年来，由于中国庞大而稳定的市场，中国的保险业取得了长足的进步，但中国保险公司抵御风险的能力依然脆弱。风险无处不在，保险公司正是那些冒险的公司，保险企业不同于一般工商企业。他们把经营风险作为日常经营活动。作为中国的一家大型财产保险公司，中国人寿在一定程度上存在一些问题。因此，为了使其具有良好的财务风险管理能力和良好的经营基础，对其财务风险管理的研究具有重要的价值和意义。 本文中国寿险业的财务风险为研究对象。通过分析其财务状况和财务风险管理状况的不同视角，可以识别潜在的财务风险，构建财务风险管理系统，降低潜在的财务风险和潜在损失。同时，为了保证制度的顺利实施，提出了相应的保障措施，以期有助于防范和化解保险企业的风险。 关键词：财务风险；财务风险管理体系；风险控制 Abstract Looking at the development course of Chinas insurance industry for many years, objectively speaking, Chinas insurance market is still in itsinfancy, and there is still a long way to go to mature developed countriesmarkets. In recent years, thanks to Chinas huge and stable market, Chinas insurance industry has made considerable progress, but the ability of Chinese insurance companies to withstand risks is still very fragile. Risks are ubiquitous, and insurance companies are precisely enterprises with operational risks. Property insurance, as an important assistant in the operation and construction of escort units, has become a rapidly developing branch of insurance enterprises. They regard business risks as their daily business activities. Financial risk management is more important to ensure the operating results of insurance companies. As a large property insurance company in China, China Life also has some problems to some extent. Therefore, in order to make it have good financial risk management ability and good business foundation, the study of its financial risk management has important value and significance. The financial risk of Chinas life insurance industry is studied in this paper. Through the analysis of its financial status and financial risk management from different perspectives, we can find the potential financial risks, build a financial risk management system, and reduce the potential financial risks and potential losses. At the same time, in order to ensure the smooth implementation of the system, the corresponding safeguard measures