摘要
随着保险行业的蓬勃发展,市场竞争日益激烈,导致行业整体利润呈现下滑趋势。在此背景下,预算管理作为提升内部控制和管理效率的重要手段,在保险企业中展现出至关重要的作用。文章深入探讨了预算管理在保险企业应用中的关键问题,包括预算编制的科学性与准确性不足、预算执行的监控机制不健全、预算调整过程中流程过于繁杂且不够灵活、预算管理的信息化水平较低以及预算管理的意识不足等。通过综合分析这些问题,文章旨在提出有效的优化策略,以帮助保险企业进一步提升预算管理水平,优化资源配置,增强经济效益与市场竞争力。
With the vigorous development of the insurance industry,market competition has intensified,leading to an overall decline in industry profits.Against this backdrop,budget management has emerged as a crucial tool for enhancing internal control and management efficiency within insurance enterprises.This paper delves into the key issues related to the application of budget management in insurance companies,including the lack of scientific and accurate budget preparation,inadequate monitoring mechanisms for budget execution,overly complex and inflexible processes during budget adjustments,low levels of informatization in budget management,and insufficient awareness of budget management.Through a comprehensive analysis of these issues,this study aims to propose effective optimization strategies to help insurance companies improve their budget management,optimize resource allocation,and enhance economic efficiency and market competitiveness.
作者
安琳琳
An Linlin(China Life Insurance Company Beijing Branch,Beijing,100020)
出处
《市场周刊》
2025年第6期1-4,共4页
Market Weekly
关键词
预算管理
保险企业
预算执行
budget management
insurance enterprises
budget execution
作者简介
安琳琳,女,河南周口人,中国人寿保险股份有限公司北京市分公司,研究方向:预算管理。
