农业保险公司财务风险管理问题及对策研究——基于H农业保险公司的案例分析

Research on Financial Risk Management Problems and Countermeasures of Agricultural Insurance Companies—Case Analysis Based on H Agricultural Insurance Company

农业保险公司财务状况直接影响企业的运营。本文以H农业保险公司为例,探讨保险业中财务风险管理的普遍问题,并提出相应的对策。研究发现,H农业保险公司财务管理中存在偿债能力较弱、盈利能力较低以及人事更迭频繁等问题。主要原因在于客户对保险认知度不高、保险行业竞争激烈以及业务扩张速度过快等。为进一步提高公司财务风险控制能力,应该放慢扩张的脚步、减少人事更迭、加强企业文化建设。

The financial situation of agricultural insurance companies directly affects the operation of enterprises. Taking H Agricultural Insurance Company as an example, this paper discusses the common problems of financial risk management in the insurance industry and puts forward corresponding countermeasures. The study found that the financial management of H Agricultural Insurance Company has problems such as weak solvency, low profitability and frequent changes in senior management. The main reasons are that customers have low awareness of insurance, fierce competition in the insurance industry and too fast business expansion. In order to further improve the company’s financial risk control ability, we should slow down the pace of expansion, reduce the flow of senior managers, and strengthen the construction of corporate culture.