风险管理不仅是保险企业的基本职能之一 ,还是保险企业可持续发展的核心竞争力之一。保险公司运用丰富的风险管理经验为被保险人化解风险 ,保证其生产经营的连续性 ,远比其获得有限赔偿更重要。随着市场竞争的加剧 ,服务前置日渐为中资保险公司所重视。为客户提供全方位的风险管理服务将成为国内财产保险市场竞争中的重要手段 Risk management is not only one of the basic functions of insurance companies, but also one of the core competitiveness of insurance companies in their sustainable development. Insurance companies using rich experience in risk management for the insured to resolve risks and ensure the continuity of their production and operation, far more than its limited compensation is more important. With the intensification of market competition, service prepositions are increasingly valued by Chinese insurance companies. Providing customers with a full range of risk management services will become an important means of competition in the domestic property insurance market