重新认识风险这个概念  

Re-studying and Understanding the Fundamental Concept of Risk

作　　者：谢志刚[1] 周晶[1] 

机构地区：[1]上海财经大学金融学院,上海200433

出　　处：《保险研究》2013年第2期101-108,共8页Insurance Studies

摘　　要：通过比较和分析中国保监会、国际标准化组织(ISO)以及其他国内外权威机构和研究文献中关于风险的定义,对照保险经营实践所提供的经验,在风险决策的理论和研究框架下,先定义不确定性并界定它与风险概念之间的关系,进而界定了风险概念的构成要素,通过分析各要素之间的影响关系来揭示风险的形成机制和动态特征,并重新定义了风险概念。新定义下,风险分类和风险度量的内在含义以及不同分类和度量模型间的逻辑关系变得十分清晰,为保险公司进行内部全面风险管理和外部保险监管提的理论基础提供了参考。Comparing the definitions of risk given by China Insurance Regulatory Commission （ CIRC）, the Inter- national Organization for Standardization （ISO） and other authoritative institutionsand research references, and also referring to best practice of insurance operations, this paper studied the fundamental concept of risk in the theoreti- cal framework of decision making under risk and uncertainty. By defining the concept of uncertainty and then iden- tifying its relation to the concept of risk, and by analyzing the components of risk concept and their relationships, this study revealed the formation mechanism of risk and its dynamic characteristics. It then refined the concept of risk, which clarified the intrinsic meaningof risk classification and risk measurement models. It may provide a theoretical research reference both for insurers＇ Enterprise Risk Management （ERM） and for insurance regulation and super- vision.

关 键 词：不确定性 风险 全面风险管理 保险监管 

分 类 号：F840.6[经济管理—保险]