On Insurance Holdings (Group) Company and the effectiveness of risk management ①

Insurance Holdings (Group) Company of the traditional benefits include economies of scale and scope economies, China's Insurance Holdings (Group) Company not only to play the traditional efficiency, but, more important thing is to play the effectiveness of the capital. Insurance Holdings (Group) Company in play to their advantages of the risks but also accompanied by the emergence of its unique risks, including insider trading risks, the repeated use of risk capital, the opaque structure of risk and the risk of conflict of interest. States should adopt the form of legislation to address Insurance Holdings (Group) Company of the legal status of its development and create a good external environment for regulatory agencies should actively research and innovative means of monitoring and regulatory approach to prevent Insurance Holdings (Group) Company The potential high risk; Insurance Holdings (Group) Company should play their own advantages to make full integration of resources, adhere to the Group of development strategies, at the same time, should improve the corporate governance structure, strengthen internal controls, and highlighted the risk management Status and role, and ensure the healthy development of the Group.

Key words: insurance holding company, capital operation, capital control, risk management