我国民众个人风险管理状况探索

Research of Individual Risk Management Situation in Our Country

本文立足于个人风险管理的历史与现状,对东西方个人风险管理文化进行了对比分析,着重讨论了我国民众“三代一体”的个人风险管理模式,阐述了其成因与后果,并指出了民族性的现代风险管理理念缺失的严重性。

With a view to the history and current situation, this paper made a contrast analysis for in- dividual risk management culture of home--and--abroad, and emphatically discussed the ＂three--generation-in-one-unity＂ as individual risk management pattern in our country. The study also went further as to elaborate cause of formation of this pattern and its aftereffect, and point out the seriousness of which as the nationality lack modern risk management sense.