Practical Research On Financial Centralized Management Of HX Health Insurance Company

After 40 years of rapid development,China's insurance industry has become an indispensable part of China's financial system.However,with the opening of the insurance market,the competition of the insurance industry is further intensified.Domestic insurance companies have been seeking to take the road of efficiency.And with the strict supervision of the insurance industry by the state,insurance companies are facing greater regulatory risk.In recent years,more and more insurance companies adopt centralized financial management mode to play the role of financial regulation and reduce financial risks.However,the management mode of financial concentration has its own limitations.How to avoid the constraints brought by financial concentration to the development of enterprises has become one of the issues to be solved by insurance companies.HX health insurance company,as a national insurance company operating personal insurance and health insurance,has adopted the financial management and control mode centralized by the head office since its establishment.The financial centralized management plays a huge role in the strategic realization and risk management and control of the company.However,with the change of the internal and external environment of the company,some problems appear in the financial centralized management.This paper studies the principal-agent theory,financial management and control theory and financial management mode by combing the research literature and advanced experience of financial management at home and abroad,especially the financial centralized management.Taking them as the theoretical basis,it makes an in-depth study on the current situation of financial centralized management operation of HX health insurance company,and sums up the existence of excessive financial management.Centralized management,incomplete comprehensive budget management,fuzzy financial organization structure,unclear job responsibilities and other issues,and specific improvement plans are given.Through strengthening the financial management function of the organization,improving the comprehensive budget management system,strengthening the assessment and training of financial personnel,and re combing the financial organization structure and other measures,the financial centralized management and control system can better support the development of the company.It has practical guiding significance for HX health insurance company in the future financial control work.At the same time,it also provides research materials and practical basis for the financial centralized management of small and medium-sized insurance companies.