A Research On The Enterprise Risk Management And Insurance Enterprise Value Creation

At present,China's macroeconomic situation is complex.From the international perspective,the economic environment is constantly changing,and the world economic growth is in the presence of uncertainty,emerging markets and developing countries are facing the enormous pressure of capital outflows and the international balance of payments deficit.From the domestic perspective,as a result of economic growth rate shifting and structural adjustment pains,the pressure of economic downturn is getting heavier.The possibility of macroeconomic fluctuations and local financial sector risk can not be ignored.As special business,Insurance companies provide insurance service for clients.The level of risk management is the key factor to affect the operating healthy and core competitiveness of insurance companies.However,from the point of view of the domestic insurance industry,the understanding of enterprise management of senior management in the insurance industry still remains in a low level.At the same time,because of the research on the relationship between risk management and enterprise value mainly stay at the theoretical level,and there is not enough empirical supporting evidence,lots of senior management from insurance industry do not agree with the idea of risk management could help enterprise value creation,some of them even think that too much attention paid to risk management will hinder the rapid development of enterprises.Therefore,it has important practical significance for the empirical research on the risk management and enterprise value creation in the insurance industry.The main content of this paper is based on the theory of risk management,the research on enterprise risk management framework system,and looking for the empirical evidence of the value of risk management from the theoretical and empirical analysis.Through the regression analysis of the sample data,the risk management has a positive impact on the value of the enterprise.The end of this paper mainly introduces the practice of risk management in China's insurance industry,and puts forward some reasonable suggestions on the implementation of the risk management of insurance companies in China.