本科论文摘要在1988年，我国第一家股份制的保险公司成立了，它就是中国平安保险股份有限公司，本文的研究对象就是中国平安保险股份有限公司。在参考国内外企业的财务风险控制研究理论和实践探索成果的基础上，对该公司主营业务、客户经营、资本结构、现金流量等进行了深入分析。发现了中国平安在筹资、投资、承保等业务环节中隐藏的风险，从而提出了相应的建议。保险最重要的特点是将潜在损失向未来转移。因此，中国平安必须有一个长期的风险意识。中国平安应依据相关理论将风险转化为机遇，以提升市场核心竞争力。近几年，中国平安总是以一种较为激进、高风险且高收益的方式开展经营。虽然取得很多优秀成绩，但在经营过程中也存在较高财务风险。因此，中国平安应对财务风险保持较高警惕度并且增强防范意识。通过对中国平安财务风险的深入分析，本人认为该公司应该有针对性的对筹资、投资、承保等方面进行财务风险控制。此外，由于国家相关法律法规的不断修改以及市场供求的无规律变化，中国平安将会面临更大的机遇。所以，中国平安要积极主动的顺应国家各项法律法规和市场更变，不停地改进自己的风险控制对策，才能在激烈的市场竞争中维持可持续发展的状态。关键词：中国平安：财务风险：风险控制本科论文AbstractIn 1988,China's first joint-stock insurance company was established,whichis China Ping An Insurance Co.,Ltd.the research object of this paper is ChinaPing An Insurance Co.,Ltd.Based on the research results of financial riskcontrol theory and practice of domestic and foreign enterprises,this papermakes an in-depth analysis of the company's main business,customer operation,capital structure,cash flow,etc.This paper finds out the hidden risks infinancing,investment,underwriting and other business links of Ping An,andputs forward corresponding suggestions.The most important feature of insuranceis to transfer potential loss to the future.Therefore,Ping An of China musthave a long-term risk awareness.In order to improve the core competitivenessof the market,China Ping An should transform the risk into the opportunityaccording to the relevant theories.In recent years,Ping An has always operatedin a more radical,high-risk and high-yield way.Although many outstandingachievements have been made,there are also high financial risks in theoperation process.Therefore,Ping An of China should keep a high degree ofvigilance against financial risks and enhance its awareness of prevention.Through the in-depth analysis of the financial risk of Ping An,I believe thatthe company should have targeted financial risk control on financing,investment,insurance and other aspects.In addition,due to the continuousrevision of relevant national laws and regulations and the irregular changeof market supply and demand,Ping An will face greater opportunities.Therefore,Ping An should actively comply with the national laws and regulations and marketchanges,and constantly improve its own risk control measures,so as to maintainthe sustainable development in the fierce market competition.Key words:Ping An,China;financial risk;risk control本科论文目录第一章绪论…71.3国内外研究综述81.3.1国内研究现状1.3.2国外研究现状1.4主要研究方法1.4.1文献总数法91.4.2比较分析法第二章相关概念及概述.2.1财务风险的含义…2.2财务风险的分类…2.3财务风险的分析方法....02.4财务风险控制的目标2.4.1直接目标…2.4.2间接目标…2.4.3最终目标…2.5财务风险控制的策略2.6财务风险控制的方法…第三章中国平安保险的财务风险分析3.】筹资风险…3.2投资风险133.3承保风险…第四章中国平安保险的财务风险成因分析4.】筹资风险的成因分析…164.1.1负债结构不合理…..64.1.2风险意识淡薄…4.1.3经营管理不善.…..64.2投资风险的成因分析4.2.1财务结构不合理…4.2.2投资环境认知失误.4.3承保风险的成因分析…第五章中国平安经营中财务风险防控的策略5.】筹资风险控制策略…5.1.1优化负债结构.…5.1.2树立风险意识…85.1.3提高经营管理水平5.2投资风险防控策略…185.2.1优化财务结构5.2.2明确投资环境5.3承保风险防控策略.…5.3.1加强保费确认…5.3.2加强渠道管理.…