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论文编号：	15574
作者编号：	2320234035
上传时间：	2025/12/6 12:31:16
中文题目：	TK在线互联网保险公司财务风险管理优化研究
英文题目：	Researchon Optimization of Financial Risk Management of TK Internet Insurance Company
指导老师：	刘志远
中文关键字：	互联网保险公司；财务风险管理；优化对策；保障措施
英文关键字：	Online Insurance Company; Financial Risk Management; Optimization Countermeasures; Guarantee Measures
中文摘要：	随着互联网技术发展，互联网保险行业迅速崛起为金融领域重要组成部分，但业务规模扩大也带来复杂财务风险挑战。本研究以TK在线为对象，旨在为提升其财务风险管理水平提供科学支撑，并为行业实践提供借鉴。 研究采用文献分析、案例分析及比较研究法，系统梳理国内外最新研究成果，结合COSO（2017）全面风险管理框架，构建“理论基础—行业特性—企业实践”整合性分析框架，作为核心理论基石。研究发现，TK在线存在四大核心问题：风险识别覆盖不全且响应滞后、风险分析模型适应性不足且业财脱节、风险控制流程不完善且执行力不足、风险监督覆盖不全且整改闭环缺失。 针对上述问题，本研究从构建数字化动态识别体系、搭建业财融合动态分析系统、构建全流程闭环管控框架、打造常态化闭环监督流程四方面提出优化对策，明确实施路径与成本效益预估，并从组织、技术、人才、制度、文化维度配套保障措施。核心创新在于提出“三维动态风险识别机制”“业财融合动态分析体系”及“全流程闭环管控框架”，为互联网保险企业财务风险管理提供新实践范式。研究既为TK在线提供实操指导，也为行业应对数字化转型中的财务风险提供可借鉴路径，助力行业稳健发展。
英文摘要：	With the development of Internet technology, the online insurance industry has rapidly emerged as a crucial component of the financial sector. However, the expansion of its business scale has also brought about complex challenges related to financial risks. This study takes TK Online as the research object, aiming to provide scientific support for enhancing its financial risk management capabilities and offer reference for industry practices. The research adopts literature analysis, case analysis, and comparative research methods. It systematically sorts out the latest domestic and international research findings, and combines them with the COSO (2017) Enterprise Risk Management Framework to construct an integrated analytical framework of "theoretical foundation - industry characteristics - corporate practice," which serves as the core theoretical cornerstone. The study identifies four core issues existing in TK Online: incomplete coverage and delayed response in risk identification, insufficient adaptability of risk analysis models and disconnection between business and finance, imperfect risk control processes and inadequate execution, as well as incomplete coverage of risk supervision and lack of a closed-loop for rectification. To address the aforementioned issues, this study proposes optimization strategies from four aspects: establishing a digital dynamic identification system, building a dynamic analysis system integrating business and finance, constructing a full-process closed-loop management and control framework, and creating a regular closed-loop supervision process. It clarifies the implementation paths and cost-benefit projections, and formulates supporting safeguard measures from the dimensions of organization, technology, talent, system, and culture. The core innovations lie in the proposal of the "three-dimensional dynamic risk identification mechanism," the "dynamic analysis system integrating business and finance," and the "full-process closed-loop management and control framework," which provide a new practical paradigm for financial risk management in online insurance enterprises. This research not only offers practical guidance for TK Online but also provides a reference path for the industry to address financial risks during digital transformation, thereby contributing to the stable development of the industry.
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