中国保险业面临的风险分析  

The Risk Analysis on China's Insurance Industry

作　　者：郑荣年[1] 

机构地区：[1]广州金融高等专科学校,广东广州510521

出　　处：《华南金融研究》2002年第2期58-62,共5页South China Financial Research

摘　　要：当前,防范金融风险已经成为一个世界性问题,保险公司作为分散风险、提供经济保障的企业,其风险比其他金融行业更具有隐蔽性、滞后性和扩散性,但随着风险的不断积蓄和扩大,保险公司风险一旦爆发就难以救助,将严重危害整个金融体系的安全,并有可能引发社会风险。At present, taking strict precautions against financial risks has been a universal issue. The insurance companies as an industry that diverts risks and offers economic guarantee possess more characters of concealment, sluggishness and diffusion than those of any other financial industries. But as risks keep being accumulated and expanded, insurance companies, once the risk breaks out, can' t survive, which seriously endangers the safe of the financial system as a whole and therefore causes social risks.

关 键 词：保险业 中国 风险管理 保险公司 市场风险 道德风险 

分 类 号：F842[经济管理—保险]