摘要
我国保险业快速发展掩盖了潜在的运营风险,本文基于已有研究文献将保险业运营风险分为"承保、投资和偿付"三个环节的风险,并运用这一分析框架对中国保险业2007年运营风险情况进行了研究。总的来说,得益于经济较快发展和保险需求的逐步满足,我国保险业现有风险水平总体较低,但从长远来看,承保、投资和偿付三个环节风险因素的存在会阻碍行业的可持续发展。
The rapid growth of the insurance industry camouflaged its potential operational risks. This paper categorized insurance operational risks into ＂underwriting risks, investment risks and solvency risks＂ on the basis of existing research literature. And following this vein of thought, the author made a research on operational risks of the insurance industry in 2007. On the whole, capitalized on rapid economic growth and gradual increase of insurance supply, the risk level of China＇s insurance industry was relatively low. However, in a long range, the existence of risks in the three areas of underwriting, investment and solvency will hinder sustainable development of the industry.
出处
《保险研究》
CSSCI
北大核心
2008年第7期54-58,共5页
Insurance Studies
基金
"中国立信风险研究院"课题研究资助(课题编号:FXNB07-17)。
关键词
承保风险
投资风险
偿付风险
underwriting risks
investment risks
solvency risks
