Research On Financial Centralized Management Of Insurance Companies

Resume operation in China’s insurance industry business since 1980, the insurance industry development by leaps and bounds, thousands of miles a day.Especially in recent twenty years, the income of the insurance industry scale, investment scale and the way of assets are into a geometric growth.<Several Opinions of the State Council on Accelerating the Development of the Modern Insurance Service Industry>released in 2014. Affirmation of the development of the insurance industry, made clear the development direction of the insurance industry, the insurance industry at the same time as the whole national economic system, especially the important role in the financial system further clear, the insurance industry ushered in the unprecedented development opportunity. Exist at the same time, the insurance industry development is not standard, management ability is insufficient, most of the insurance company internal management level is not high, financial management and extensive, with the development of the company financial risk increases, the financial management of hidden trouble outstanding problems. To solve this problem, the domestic insurance companies refer to foreign advanced concept of financial control, start by financial centralized financial management in the form of this way of financial management in the insurance industry has obtained the good effect, has become the industry control financial risk, and enhance the level of financial management of the development direction, but still failed to form a complete set of effective management of fixed mode. Because of the insurance industry and the characteristics of the nature of the business, adopt the centralized financial management is more advantageous to fully take advantage of industry, the companies accelerate the capital turnover, improve the quality of financial information and decision efficiency, reduce operating costs, effectively prevent and control the financial risk management, for insurance companies to create a more perfect and improve the financial control environment, promote the reasonable allocation of resources, increasing the service efficiency of financial resources, ensure enterprise assets value.In this case, the study of insurance company financial control mode, has a strong practical significance.In this paper, through the study of financial control theory and trust-agent theory, combined with the insurance industry financial centralized management practice, summed up the three kinds of financial centralized management mode. With HX implementing the centralized financial management of an insurance company, on the basis of the actual case combining the theory of financial centralized management and financial centralized management industry development experience, discusses the insurance company to realize the reasonable way and effective method of financial centralized management, from HX insurance company financial centralized management of the actual problem of Angle, pointed out that HX insurance company problems existing in the current financial centralized management mode, and analyzes the cause of the problems related to, and then puts forward the corresponding improvement measures, at the same time according to the HX insurance company management present situation and future development strategy, proposed the implementing HX life future financial centralized management mode, the construction of financial centralized management center vision design.