保险公司全面预算管理问题及对策——以S寿险公司为例

Problems and countermeasures of comprehensive budget management in insurance companies——Taking S Life Insurance Company as an example

前瞻产业研究院报告中的数据表明,2020年,我国寿险保费收入已达23982亿元,5年期间增幅超过81%,行业发展迅猛。寿险公司在经历了多年的粗放式发展之后迎来了强监管时代,发展关注点也转向内部治理方面,全面预算管理作为实现寿险公司经营目标控制的有力武器,其重要性在当前严峻的市场环境下日益凸显。文章选取S寿险公司(简称"S公司")进行研究,对其全面预算管理现状展开了访谈与调查,梳理出现存问题,最后结合S公司实际情况提出解决对策,旨在完善全面预算管理体系,提升我国保险业的市场竞争力。

According to the relevant data in the report of the Qianzhan Industry Research Institute,in 2020,China’s life insurance premium income has reached 2398.2 billion yuan,an increase of more than 81%during the five-year period,and the industry is developing rapidly.Life insurance companies have ushered in an era of strong supervision after years of extensive development,the development focus has also turned to internal governance.Comprehensive budget management is a powerful weapon to achieve the business objectives of life insurance companies.Its importance follows the accelerated transformation of the industry is increasing day by day.The article takes S Life Insurance Company("S Company"for short)as the research object,conducts interviews and investigations on its comprehensive budget management status,sorts out existing problems,and finally proposes solutions based on the actual situation of S Company,aiming to improve the comprehensive budget management system,enhance the market competitiveness of the insurance industry.