财险公司业财融合下风险防控探索

Exploration of risk prevention and control under the integration of industry and finance in property and casualty insurance companies

当前我国正处于财险公司深化改革和发展的关键时期,财险公司通过拓展上下游业务链条来不断扩大发展规模,在给财险行业发展带来新的机遇的同时,也增加了财险公司精细化管理的压力,受内外部金融市场环境因素影响,对财险公司的内部管理工作产生影响。鉴于此,财险公司要从业财融合工作入手,解决公司在业财融合管理方面存在的问题,最后提出行之有效的应对对策,助推财险公司业务转型升级。

Currently,Chinas property and casualty insurance companies are in a critical period of deepening reform and development.Property and casualty insurance companies are continuously expanding their development scale by expanding their upstream and downstream business chains.The reform of commercial vehicle insurance has brought new opportunities to the development of the property and casualty insurance industry,but at the same time,it has also increased the pressure on property and casualty insurance companies to refine their management.Influenced by internal and external financial market environmental factors,it has an impact on the internal management work of property and casualty insurance companies.In view of this,property insurance companies need to start with the integration of industry and finance,solve the problems in the management of industry and finance integration,and finally propose effective countermeasures to promote the transformation and upgrading of property insurance companiesbusiness.