A Study On Financial Strategy Of Property Insurance Company Based On Value Creation And Sustainable Growth

For a long time,the insurance industry has been keeping a higher development trend than other industries,which has always become the focus of market attention.By 2019,the original insurance premium income in China has reached 4264.5 billion yuan.However,with the rapid development of market economy in China,the industry environment changes rapidly,the number of insurance industry entrants is increasing,and the challenges facing are more severe.The importance of clear,effective and executable financial strategy is self-evident if the company wants to maintain the competitive advantage position,realize strategic objectives,avoid risks and maintain continuous competitive advantage in the fierce environment.This paper,from the perspective of value creation and sustainable growth,constructs the value creation and sustainable growth model,combines the operating characteristics of property insurance companies,constructs the financial strategy matrix model,and compares with the actual financial strategy of Ping An financial insurance company in the case company,studies and analyzes the selection and application process of the financial strategy of Ping An financial insurance,finds out the relevant problems,and combines with the company In fact,the financial strategy is constantly improved and revised,so as to build a financial strategic system which can effectively reflect the future development of the company and improve the sustainability of the company’s operation.This paper analyzes the six parts by using literature research method,financial matrix model construction method and case study method.The first part is the introduction,including the background and significance of the research,literature review,etc.The second part defines the concept and the related theoretical basis,including the concept of company strategy,the concept and connotation of financial strategy,the concept of financial matrix,the theory of corporate strategy,value creation theory and sustainable growth theory.The third part is the target orientation and strategic matrix construction of financial strategy of property insurance company.Firstly,it defines the target orientation of financial strategy,then summarizes the measurement index of value creation and sustainable growth.Finally,based on Boston matrix,it constructs the financial strategy matrix of property insurance company based on value creation and sustainable growth,and makes concrete concrete The strategic choice of the analysis.The fourth part is the financial strategy evaluation and analysis of Ping An financial insurance.Taking Ping An financial insurance as the target case,the data and data of the seven years 2013-2019 are analyzed.The paper analyzes the financial strategy profile and status quo,influencing factors,matrix construction,financial strategy selection and evaluation,application differences,evaluation and prospect analysis.The fifth part is the optimization suggestions,mainly from the financing level,investment level,dividend distribution level,working capital level four aspects.The sixth part is the conclusion and the deficiency,and the final conclusion and summary are carried out on the basis of the analysis of the previous article.