论文部分内容阅读
2007年美国发生的次级贷危机再次将风险与风险管理的问题摆在了全球金融业面前,而以风险为主营业务的保险业更需要系统思考风险管理对于本行业健康运营的内在意义。本文从风险管理行为动机、非系统性风险的分散、系统性风险的控制三个方面分析了保险业影响危机发生及受到危机冲击的原因,进一步明确了今后保险业风险管理的发展方向,并提出通过建立合理目标、完善信息沟通机制和治理结构等为风险管理提供有效内部支持。
In 2007, the subprime mortgage crisis in the United States once again put the issue of risk and risk management in front of the global financial industry. However, the risk-based insurance industry needs to systematically think about the inherent significance of risk management in the healthy operation of the industry. This paper analyzes the causes of the crisis and the impact of the crisis in the insurance industry from three aspects: the motivation of risk management, the dispersion of non-systemic risk and the control of systemic risk, further clarifies the development direction of risk management in the insurance industry in the future, and puts forward Through the establishment of reasonable goals, improve the mechanism of information communication and governance structure for risk management to provide effective internal support.