论及保险公司,它是专门经营风险的特殊企业,其自身的特点决定了它在保险经营活动中所面临的风险要大于其它企业。由此,防范和化解经营风险就成了保险企业生存和发展的首要课题。谈到保险企业的风险管理,就宏观而言,是指保险公司整个的经营活动。包括险种的设置,承保的情况;公司的赔付率、投资等活动的计划和安排。就微观而言,是指保险企业运用科学的决策理论和方法来具体提高承保业务的质量,开发新险种,具体分析某一承保业务风险的情况,选择最佳处理方案或最佳方案组合,即以最小的经济成本 As for the insurance company, it is a special enterprise that specializes in managing risks. Its own characteristics determine that the risks it faces in insurance management activities are greater than those of other enterprises. Therefore, preventing and resolving business risks has become the primary issue for the survival and development of insurance companies. Turning to the risk management of insurance companies, on the macro level, refers to the entire insurance company’s business activities. Including the establishment of insurance coverage, underwriting; the company’s payout ratio, investment and other activities of the plan and arrangements. Micro-level, refers to the insurance companies use scientific decision-making theory and methods to specifically improve the quality of underwriting business, the development of new types of insurance, a specific analysis of the risks of underwriting business, choose the best solution or the best combination of programs that With the minimum economic cost