保险风险证券化管理中的金融创新产品研究综述

A Study Review of Financial Innovative Products in the Management of Insurance Risk Securitization

创新是保险业发展的永恒主题,而保险风险管理技术的提升则是保险业可持续发展能力的重要象征。近年来,伴随着金融工程技术的推广,各类金融创新产品在保险业尤其是巨灾保险和寿险风险管理中得到了广泛应用,相关研究涉及品种推介、效用评价、定价技术以及运作机制等诸多方面。

Innovation is the eternal theme in the development of the insurance industry, and the promotion of insurance risk management techniques is an important symbol of the sustainable capacity in the development of the insurance industry. Recently, various kinds of financial innovation products have been widely used in the insurance industry, particularly in the catastrophe and life insurance risk management with the expansion of financial engineering techniques. These researches involve in product introduction,utility evaluation, pricing technology,operational mechanism and many other areas.