东吴人寿保险股份有限公司财务风险管理研究.docx

摘 要：近年来因为社会经济的发展和人们风险防范意识的提高，保险业取得了突飞猛进的发展。但经济社会中充斥着不确定因素，这些因素本身就具有偶然性和随机性，保险公司势必要规避风险、趋利避害。东吴人寿保险公司是近年来成立的苏造寿险企业，可以体现出一些区域性公司在财务风险管理上存在的误区。本文对东吴人寿财务风险管理现状进行介绍，指出公司在管理过程中存在预算执行力不强、预警体系不完善、承保理赔管控不到位等诸多方面的问题。据此，从财务预算管理系统、财务风险预警体系、承保理赔监管等方面提出了针对性对策，希望可以促进东吴人寿的财务风险管理的优化。 关键词：东吴人寿保险公司，财务风险管理 Abstract: In recent years, due to the development of social economy and the increase of peoples awareness of risk prevention, the insurance industry has achieved rapid development. However, the economy and society are full of uncertain factors. These factors are inherently contingent and random. Insurance companies are bound to avoid risks, seek advantages and avoid disadvantages. Soochow Life Insurance Company is a life insurance company established in recent years, which can reflect the misunderstandings of some regional companies in financial risk management. This article introduces the status quo of Soochow Life’s financial risk management, and points out that the company has many problems in the management process, such as insufficient budget execution, imperfect early warning system, and inadequate underwriting claims management and control. Based on this, targeted countermeasures have been proposed from the financial budget management system, financial risk early warning system, underwriting and claims supervision, etc., hoping to promote the optimization of Soochow Life’s financial risk management. Keywords: Soochow Life Insurance Company, financial risk management 目录 1引言 4 2财务风险概述 4 2.1财务风险的定义 4 2.2财务风险的表现形式 5 2.3财务风险管理的过程 5 3 东吴人寿保险公司财务风险管理现状 5 3.1东吴人寿保险公司概况 5 3.2东吴人寿保险财务风险现状 6 3.3东吴人寿保险财务风险管理现状 7 4东吴人寿保险公司财务风险管理存在的问题 8 4.1财务预算执行力不强 8 4.2财务风险管理预警体系不完善 9 4.3高素质管理人才缺乏 9 4.4承保理赔管控不到位 10 4.5财务风险管理信息交流不顺畅 10 4.6财务风险监管制度不完善 10 5改进东吴人寿保险公司财务风险管理的建议 11 5.1强化公司财务预算管理 11 5.2建立财务风险预警体系 11 5.3建设人才队伍 11 5.4加强核保理赔工作规范化 12 5.5优化财务风险管理沟通交流 12 5.6建立独立的稽核体系 13 结论 14 参考文献 15  1引言 在全球经济一体化这个大背景下，随着中国保险行业在社会保障体系中的作用和地位日益增强，人寿保险已成为人们生活的必需品。全球保险业的发展形势可能给我国的保险业带来机遇，也会带来各种财务风险。随着我国保险业的蓬勃发展，寿险公司的财