Application And Perfection Of Risk Management Audit In XX Insurance Company

In recent years,the rapid development of national economy in our country,make the residents income level enhances unceasingly,corresponding,strengthen the risk consciousness of the residents also,promoted the rapid development of the insurance industry.In the insurance market,the rapid increase of the market subject and the continuous expansion of business volume bring about the umcertainty of operation while realizing the scale benefit.At the same time,foreign insurance companies begin to enter China,compared with the similar domestic enterprise,they tend to have advanced technology,abundant funds and rich management experience and advantage,make our country's insurance industry more competitive.Based on internal audit and risk management audit after introduces the concepts and theories,to study the light of the specific conditions of the XX insurance in guangdong branch,aiming at the main risks of doing business,the main problems existing in the current internal audit system and carried out to investigate and find out the main deficiencies in current internal audit work,and as a starting point,formed in line with the industry and to the development of the enterprise risk management audit framework,design a new internal audit plan,and implement.The effect of the scheme is good after implementation.By establishing and improving the risk management audit system,able to overcome the existing problems in the internal audit work,strengthen the risk management ability,for the enterprise management system to achieve the goals of the development and improvement of provide strong power,also from the theory Angle to enrich the theory of risk management and internal auditing theory.The main conclusions of this paper are as follows:First of all,risk management audit has important practical significance for the development of insurance industry,which is not only highly feasible,but also has a good effect on risk management.Due to the complex and wide coverage of insurance industry products,it is at a high level in terms of risk attributes,and these risks are characterized by high complexity and concealment.By introducing the risk management system into the internal audit work,it can provide new methods for the daily management of the insurance industry.Secondly,the risk management auditing system in the insurance industry is complex and requires careful design and implementation.In general,the risk management audit system needs to include risk early warning and monitoring two core,by means of the two core collaboration to achieve the static and dynamic risk management,and to advance,the audit management approaches.This greatly innovates the risk early warning system,highlights the function of pre-control,and reduces the risk loss as much as possible.The static and dynamic risk management mode can also realize the scientific control of residual risk and identify and control risks in the process of risk.Thirdly,risk management audit is of great realistic value to the insurance industry.Mainly displays in:first,highlight the risk control,risk prevention work more effective,by establishing the degree of identification,assessment,evaluation and management of policies and measures for the effectiveness evaluation,to improve the risk management system of the enterprise.Second,it can make the supervision of internal audit work more widely,and overcome the deficiencies of traditional audit focusing on financial activities and lack of the overall perspective of enterprises.Three is better able to discover problems,and put forward Suggestions,help to better avoid risk,to promote the improvement of the management mechanism,establish a more comprehensive risk management system,enterprise strategic objectives.Research of this paper can make the internal audit work to the perspective of strategic management and risk management,to look at the present situation and problems of the internal audit work,evaluate the risk management,to improve enterprise management level and risk management ability,the quality of internal audit work is helpful.