河北钢铁集团财产保险管理方式研究

发布时间：2018-05-27 23:27

本文选题：企业风险管理 + 非钢产业　；参考：《河北工业大学》2013年硕士论文

【摘要】：河北钢铁集团提出钢铁主业全成本理念，适当发展多元化战略。作为风险管理的重要财务支出，，集团财产保险自集团成立以来一直处于分散状态，保险成本高且不易于管理。本文以集团财产保险管理为主要研究目标，努力探索集内需、管理、效益、金融为一体的集约化风险管理模式。在研究过程中，引用大量详实的数据，通过钢铁、金融行业的发展对比分析，同时深入阐述集团内部的财产保险管理基础。以访谈调研法、文献调研法、企业综合分析法制订出集团财产保险集中管理战略。突出成本领先、差异化管理特色，进一步运用定性定量分析法确定集团财产保险具体运营方式，并以合理预期效益加以说明总结。同时创新集团财产保险管理方式，使保险的信用、保证、资产管理功能应用于集团建设。在钢企财务费用极其紧张局面下，发展新的融资模式。通过并购重组，集团财产保险保持原总保费不变，企业经营设施保险金额由1098亿元扩展至3200亿元；同时，归纳分散到社会中的职工个人保险2000万元。整合后的集团财产保险，凭借规模优势、成本优势、潜在创效空间实现新的利润增长点，为集团多元化发展战略创造有效渠道。
[Abstract]:Hebei Iron and Steel Group put forward the concept of full cost of the main industry of iron and steel, appropriate development of diversification strategy. As an important financial expenditure of risk management, the group property insurance has been in a decentralized state since the establishment of the group, and the insurance cost is high and difficult to manage. This paper takes the property insurance management of the group as the main research goal, and tries to explore the intensive risk management mode which integrates domestic demand, management, benefit and finance. In the course of the research, we cite a large number of detailed data, through the comparative analysis of the development of iron and steel, financial industry, and at the same time, deeply explain the property insurance management foundation within the group. The centralized management strategy of group property insurance is worked out by the method of interview, literature research and enterprise comprehensive analysis. This paper highlights the characteristics of cost leading and differential management, further uses the qualitative and quantitative analysis method to determine the specific operation mode of group property insurance, and explains and summarizes it with reasonable expected benefits. At the same time, innovation group property insurance management mode, make insurance credit, guarantee, asset management function applied to group construction. In the steel enterprise financial costs extremely tight situation, the development of new financing model. Through mergers and acquisitions, the group property insurance keeps the original total premium unchanged, and the insurance amount of business facilities insurance is extended from 109.8 billion yuan to 320 billion yuan; at the same time, the individual insurance for workers and staff members scattered in the society is summed up to 20 million yuan. The integrated group property insurance can realize new profit growth point by virtue of scale advantage, cost advantage and potential creation space, and create an effective channel for the diversification development strategy of the group.
【学位授予单位】：河北工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F426.31;F842

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