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；风险管理AbstractThefinancialrisksinthefinancialmanagementofmoderninsurancecompaniesarerealproblemsthatmustbefacedandmustbesolved.Overtheyears,withthediversificationofinsuranceproducts,thedevelopmentoftheoverallinsurancebusinesshasbecomemoreandmoreconnectedwithpeople.close.However,thereisagapbetweenChineseinsurancecompaniesandworld-classfinancialmanagement.Asamemberoftheinsuranceindustry,thePeople'sInsuranceCompanyisfacingaseverecompetitivesituation,howtowinmorecustomerresourcesinthefiercelycompetitiveexternalmarketenvironment,improvetheinternalmanagementrulesandregulations,andcomprehensivelyenhancethecompany'scorevalues.Isaproblem.Therefore,thispapertakesZhangzhouPeople'sInsuranceCompanyasanexampletoexplorethemostimportantfinancialriskmanagementissuesinriskmanagementtoreducetheadverseeffectsofinsurancecompanies'risksandpromotethefurtherdevelopmentoftheinsuranceindustry.Keywords:insurancecompany;financialrisk;riskmanagement目录1绪论..............................................................61.1研究背景与意义..................................................61.1.1研究背景......................................................61.1.2研究意义......................................................61.2研究方法........................................................61.3研究内容与创新点................................................72保险公司财务风险的相关理论基础....................................72.1保险公司财务风险的内涵..........................................72.2保险公司财务风险的具体表现......................................72.2.1偿付能力不足..................................................72.2.2资金运用失调，投资风险加剧....................................82.2.3坏账风险......................................................82.2.4责任准备金提存不足............................................83以滁州市人民保险公司财务风险管理案例..............................93.1人民保险公司股份有限公司的概况..................................93.2人民保险公司公司存在的主要风险..................................93.2.1偿付能力与支付危机............................................93.2.2现金流风险...................................................103.2.3投资和盈利风险...............................................123.2.4成长风险.....................................................124关于保险公司风险管理的建议.......................................134.1提高偿付能力...................................................134.2保障资产与负债的匹配，缓解现金流压力...........................134.3提高盈利能力...................................................144.4增强创新性，提高成长能力.......................................14结论...........................................................15参考文献.......................................................161绪...
