1题目东吴人寿保险股份有限公司财务风险管理研究摘要：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:Inrecentyears,duetothedevelopmentofsocialeconomyandtheincreaseofpeople'sawarenessofriskprevention,theinsuranceindustryhasachievedrapiddevelopment.However,theeconomyandsocietyarefullofuncertainfactors.Thesefactorsareinherentlycontingentandrandom.Insurancecompaniesareboundtoavoidrisks,seekadvantagesandavoiddisadvantages.SoochowLifeInsuranceCompanyisalifeinsurancecompanyestablishedinrecentyears,whichcanreflectthemisunderstandingsofsomeregionalcompaniesinfinancialriskmanagement.ThisarticleintroducesthestatusquoofSoochowLife’sfinancialriskmanagement,andpointsoutthatthecompanyhasmanyproblemsinthemanagementprocess,suchasinsufficientbudgetexecution,imperfectearlywarningsystem,andinadequateunderwritingclaimsmanagementandcontrol.Basedonthis,targetedcountermeasureshavebeenproposedfromthefinancialbudgetmanagementsystem,financialriskearlywarningsystem,underwritingandclaimssupervision,etc.,hopingtopromotetheoptimizationofSoochowLife’sfinancialriskmanagement.Keywords:SoochowLifeInsuranceCompany,financialriskmanagement2目录1引言............................................................42财务风险概述....................................................42.1财务风险的定义................................................42.2财务风险的表现形式............................................52.3财务风险管理的过程............................................53东吴人寿保险公司财务风险管理现状...............................53.1东吴人寿保险公司概况..........................................53.2东吴人寿保险财务风险现状......................................63.3东吴人寿保险财务风险管理现状..................................74东吴人寿保险公司财务风险管理存在的问题..........................84.1财务预算执行力不强............................................84.2财务风险管理预警体系不完善....................................94.3高素质管理人才缺乏............................................94.4承保理赔管控不到位...........................................104.5财务风险管理信息交流不顺畅...................................104.6财务风险监管制度不完善.......................................1035改进东吴人寿保险公司财务风险管理的建议.........................115.1强化公司财务预算管理.........................................115.2建立财务风险预警体系.........................................115.3建设人才队伍.................................................115.4加强核保理赔工作规范化.......................................125.5优化财务风险管理沟通交流.....................................125.6建立独立的稽核体系...........................................13结论............................................................14参考文献........................................................15致谢..............................
