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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 ,这为中国保险业风险管理的未来发展提供了理论经验和可借鉴之处 ,中国保险业风险管理体系必将以充分考虑中国保险市场特点为前提 ,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 ,逐步向世界先进水平迈进
Risk management is directly related to the long-term rise and fall of the insurance industry. Overseas insurance industry risk management theories and methods have been greatly developed on the basis of extensive practice in recent years. Based on the solvency benchmarking theory and the restriction theory, the risk management method is gradually shifting from the traditional asset and liability matching management to the modern enterprise risk management, which provides theoretical experience and reference for the future development of China’s insurance risk management , The risk management system of China’s insurance industry will surely take the characteristics of China’s insurance market as a prerequisite and will gradually move forward to the world’s advanced level on the basis of the norms and soundness of the operation environment, investment environment and legal supervision system of insurance.