互联网保险公司财务风险研究

发布时间：2018-04-25 16:07

本文选题：互联网保险 + 财务特征　；参考：《财经理论与实践》2017年06期

【摘要】：互联网保险特殊经营模式使保险公司呈现固定资产占比较小、资产负债率较低、保险产品"场景化、碎片化"、渠道成本低廉等财务特征,也使保险公司面临更为错综复杂的财务风险,如对股东的权益性资金依赖性较强、定价风险加大、盈利空间不定以及骗赔套保和洗钱风险等。鉴此,应拓宽筹资渠道,优化保险产品定价,提高保费收入持续增长能力,降低运营和合作成本,构建第三方保单认证和风险评估体系,加强资金规范化管理,强化外部监管等。
[Abstract]:The special operation mode of Internet insurance makes insurance companies present financial characteristics such as small proportion of fixed assets, low ratio of assets and liabilities, "scene, fragmentation" of insurance products, low channel cost, etc. It also makes insurance companies face more complicated financial risks, such as strong dependence on shareholders' equity funds, increased pricing risk, uncertain profit space, fraud and loss hedging and money laundering risk, and so on. In view of this, we should broaden the financing channels, optimize the pricing of insurance products, improve the ability of sustained growth of premium income, reduce the operation and cooperation costs, construct a third-party policy certification and risk assessment system, and strengthen the standardized management of funds. Strengthen external supervision and so on.
【作者单位】：湖南商学院会计学院;
【基金】：国家社会科学基金项目(17BGL050)
【分类号】：F724.6;F840.4;F842.3

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