财产保险公司财务风险的管控

On Financial Risk Management and Control of Property Insurance Company

财产保险公司财务管理呈现资金来源的广泛性、资金运用的流动性、资产分布的集中性以及会计负债的不确定性等特征。偿付能力不足、资产负债匹配性差、业务财务数据失真等是财产保险公司面临的主要财务风险。财产保险公司应规范财务治理结构,加强资产管控,推进财务合规建设,以保证自身运营的安全性和高效性。

Financial management of property insurance company presents following characteristics： extensive funding source, liquidity of fund using, concentration of asset distribution, and uncertainty of assets and liabilities. The major financial risks faced by property insurance companies include lack of solvency, bad matching of assets and liabilities, distortion of business financial data. Property insurance companies should regulate the financial governance structure, strengthen asset management, and advance financial compliance construction, in order to ensure the safety and efficiency of its own operation.