保险公司非量化与可量化风险显著性比较

The Comparison of Significance between Quantifiable and Non-quantifiable Risk in Insurance Company

保险公司的风险可分为可量化风险与非量化风险两大类,需要采用不同的管控方法并配置相应的人力物力。因此,识别这两类风险哪一类更为显著对保险公司的监管及其自身的全面风险管理尤为重要。本文分别从风险的形成机制、文献分析和案例研究三个角度研究这个问题。初步结论是,我国保险业和保险公司目前的风险构成中,更为显著的是非量化风险。因此,无论是外部监管制度建设还是保险公司内部的全面风险管理体系建设,都应该更加注重制定和落实第二支柱下的各类风险管控措施。

The insurance company's risk can be divided into quantifiable risk and non-quantifiable risk,requiring different methods to control and configuring the appropriate human and material resources.Therefore,it is very important to identify which type is more significant for insurance company regulation and its own comprehensive risk management.This paper studies this problem from three angles including the formation mecha-nism of risk,the literature analysis and case studies.The preliminary conclusion is that the more eminent risk is the non-quantifiable risk in Chi-na's insurance industry and the current risk structure of insurance companies.Therefore,either in the external regulation or in the internal compre-hensive risk management of insurance company,we should pay more attention to developing and implementing risk control measures of various types of risks under the second pillar.