滁州市人民保险公司风险管理存在的问题及对策研究.pdfVIP

摘 要 现代保险公司财务管理中的财务风险是必须要面对，必须要去解 决的现实问题，这些年来，伴随着保险产品的多元化,整体的保险业 务的发展也同人们的联系连接的越来越紧密。然而，对中国的保险公 司和世界级的金融管理水平有差距。做为保险行业的一员，人民保险 公司公司正面临着严峻的竞争形势，怎么样在激烈竞争的外部市场环 境中赢得更多的客户资源，完善公司内部管理的规章制度，全面提升 公司核心价值是一个问题。因而本文以滁州市人民保险公司为例，对 其风险管理中最为重要的财务风险管理问题进行探究，以降低保险公 司所遭遇风险的不良影响，促进保险行业的进一步发展。 关键词：保险公司；财务风险；风险管 Abstract The financial risks in the financial management of modern insurance companies are real problems that must be faced and must be solved. Over the years, with the diversification of insurance products, the development of the overall insurance business has become more and more connected with people. close. However, there is a gap between Chinese insurance companies and world-class financial management. As a member of the insurance industry, the Peoples Insurance Company is facing a severe competitive situation, how to win more customer resources in the fiercely competitive external market environment, improve the internal management rules and regulations, and comprehensively enhance the companys core values. Is a problem. Therefore, this paper takes Zhangzhou Peoples Insurance Company as an example to explore the most important financial risk management issues in risk management to reduce the adverse effects of insurance companies risks and promote the further development of the insurance industry. Keywords: insurance company; financial risk; risk management 目 录 1 绪论6 1.1 研究背景与意义6 1.1.1 研究背景6 1.1.2 研究意义6 1.2 研究方法6 1.3 研究内容与创新点7 2 保险公司财务风险的相关理论基础7 2.1 保险公司财务风险的内涵7 2.2 保险公司财务风险的具体表现 7 2.2.1 偿付能力不足7 2.2.2 资金运用失调，投资风险加剧8 2.2.3 坏账风险8 2.2.4 责任准备金提存不足8 3 以滁州市人民保险公司财务风险管理案例9 3.1 人民保险公司股份有限公司的概况9 3.2 人民保险公司公司存在的主要风险 9 3.2.1 偿付能力与支付危机 9 3.2.2 现金流风险10 3.2.3 投资和盈利风险12 3.2.4 成长风险12 4 关于保险公司风险管理的建议 13 4.1 提高偿付能力13 4.2 保障资产与负债的匹配，缓解现金流压力 13 4.