海外保险业风险管理理论与方法探讨  

A Theoretical & Methodological Probe into Risk Management for Overseas Insurance Industry

作　　者：赵迎琳[1] 

机构地区：[1]中国人寿保险公司资金运用中心,北京100032

出　　处：《河南金融管理干部学院学报》2004年第3期71-74,共4页Journal of Henan College of Financial Management Cadres

摘　　要：风险管理直接关系到保险业的长期兴衰 ,海外保险业风险管理理论与方法 ,在近年来广泛实践的基础上得到了长足的发展。以偿付能力基准理论、限制理论为基础 ,风险管理方法正逐步由传统的资产负债匹配管理向现代的企业风险管理过渡。中国保险业风险管理体系必将以充分考虑中国保险市场新型特点为前提 ,在企业运作环境、投资环境和保险法律监管体系等规范与健全的基础上 。Risk management is directly related to long run ups and downs of insurance industry. The risk management theories and methods of overseas insurance industries have made great progress on the basis of extensive practice. Based on solvency benchmark theory and constraint theory, risk management methods are gradually changing from traditional management for matching assets with liabilities to modern business risk management. It’s compulsory for the establishment of China insurance industry risk management system to take first of all new features of China insurance market into full consideration and to base on the normalization and perfection of business operation environment, investment environment and insurance legal regulatory system, gradually moving to advanced level in the world.

关 键 词：风险管理 偿付能力 资产负债匹配管理 企业风险管理 

分 类 号：F830.33[经济管理—金融学]