论综合经营环境下的集团风险管理

On Conglomerate Risk Management in an Multiple-Line Opera- tional Environment

随着我国金融体制改革的深入及保险业的快速发展，越来越多的保险公司选择走集团化经营之路。集团化经营是一把“双刃剑”，运用得好，可以帮助保险业实现持续、快速发展；运用不好，则可能放大保险业的风险，给保险业、金融业、乃至社会稳定带来严重后果。因此，研究综合经营环境下的集团风险管理具有重要的理论及现实意义。

With deepening reform of our country＇s financial system and rapid development of the insurance industry,more and more insurance companies have embarked on the path towards financial services conglomerates. This is actually a doubled-edged sword. A financial conglomerate, if successful, can reinforce rapid and continuous development of its insurance business, but can amplify risks of its insurance business, if unsuccessful, seriously undermining the insurance industry, the financial industry or even social stability. Therefore it is highly necessary for us to study how to strengthen risk control by financial conglomerates in the multiple-line operational environment.