保险业风险管理框架:基于经济周期的扩展建构

The risk management framework of insurance industry:based on extended structure of economic cycle

保险业风险管理是维护保险业稳健经营的重要机制。近十年来,虽然风险管理技术已被普遍运用到保险业的日常经营中,但外部冲击所带来的集群性保险破产案件仍然警示我们,以保险公司个体风险为主要研究对象的保险业风险管理体制,仍然无法有效抵御经济周期波动所带来的破坏性灾难。本文在总结已有的风险管理框架的基础上,结合经济周期特点对保险业风险进行重新分类,并在此基础上,修正和扩展了保险业风险管理的组织层次、目标和要素。

Risk management in insurance industry is an essential tool to safeguard the stability of insurance mar- ket. Though risk management techniques have been adopted by more and more insurers in recent ten years, cluste- ring of insurer bankruptcy could not been overlooked. The obvious clustering of occurrence of these bankrupt cases, which were believed to be induced by external events, indicated that：case study system on insurer＇s specific risk was not a final resolution to disasters caused by fluctuations in economic cycle. We reviewed those past studies on risk management of insurance, then classified risks of insurance industry according to features Of economic cycle. We also offered some suggestions on modification of the risk management framework, including organizational layers, objectives and components.