金融工程作为 90年代金融领域的新兴学科 ,受到了广泛的关注。从金融工程与保险的目的来看 ,二者都是处理、规避风险的手段 ,只是它们的标的物不同 ;金融工程与保险处理风险的基本方法是一致的 ,都是用确定性来代替不确定性 ,或用确定性的损失来代替不确定性的损失。总之 ,尽管二者在表面上存在着巨大的差距 ,但就其本质而言 ,金融工程就是“金融保险”。 As a new discipline in the field of finance in the 1990s, financial engineering has received widespread attention. From the perspective of financial engineering and insurance, both of them are means to deal with and avoid risks, except that they have different underlying objects. The basic methods of financial engineering and insurance to deal with risks are the same, all of which use certainty instead of uncertainty Or replace the uncertainty loss with a deterministic loss. In short, financial engineering is “financial insurance” by its very nature, despite the seeming disparities between the two.