本文从网络风险的定义着手,通过对网络风险的成本及其危害、网络风险的建模、可承保性及网络风险的管理等角度开展研究,指出由于数据的可获得性等因素导致网络风险建模面临的问题;网络风险的可承保性方面,由于网络风险有别于传统保险的非独立性、信息不对称性和保障范围等方面的问题,其可承保性仍待进一步研究。综合分析后提出学术界、实务界和政府进一步的工作方向。 This article starts with the definition of cyber risk, studies the cost and harm of cyber risk, the modeling of network risk, the insurability and the management of cyber risk. It points out that due to the availability of data and other factors, In terms of the insurability of cyber risks, the insurable nature of cyber risks remains to be further studied due to the problems of network risk, such as the non-independence of traditional insurance, the asymmetry of information and the scope of protection. A comprehensive analysis of academic, practical sector and the government further work direction.