保险企业价值创造——基于风险管理的视角  

Value creation by insurance enterprises——based on the risk management perspective

作　　者：周宇梅[1] 王毅[1] 

机构地区：[1]西南财经大学保险学院,四川成都610074

出　　处：《保险研究》2009年第6期57-62,共6页Insurance Studies

摘　　要：作为经营风险的特殊组织,保险企业的风险管理在其经营管理中具有重要的地位和作用。随着全球经济金融环境的快速变化,如今保险企业的风险管理已不仅局限于业务风险、金融风险或公司治理风险的某一方面,而是逐渐成为保险企业为实现价值创造这一经营目标的必要手段之一。因此本文通过对保险企业价值和风险管理的角色和作用的分析,提出了保险企业通过实施风险管理实现价值创造的思路、原则、组织框架和实施路径。Risk management occupies an important position in the operation management of insurers, for the latter is a unique entity operating risks. Along with the rapid changes of the global economic and financial environment, the scope of risk management by insurance enterprises is not confined to controlling its business risks, financial risks or governance risks, but has gradually become one of the necessary tools to realize its operational target of value ereation. This paper made an analysis on the value of insurance enterprises and the role and function of risk management, and proposed on the vein of thought, principles, organizational framework and implementation path for insurers to achieve their risk management targets.

关 键 词：保险企业 风险管理 价值创造 

分 类 号：F840.32[经济管理—保险]