摘要
作为交叉学科的典型代表 ,金融工程是金融科学工程化的产物。金融工程的产生与金融风险的存在和风险控制紧密相连 ,而保险是风险管理的重要手段。高新技术发展带来的变革 ,不仅对保险从业者及保险业自身的发展具有重要意义 ,而且对于保险在金融工程中的应用起着重要的影响。金融工程的出现 ,使保险能和其他金融工具组合在一起对风险进行有效控制 ,保险在金融工程的运用中发挥着重要的作用。
As a typical representative of cross-fertilized knowledge, financial engineering comes from the engineering of financial science. The production of financial engineering has much to do with financial risks and risk management, while insurance is also an important instrument of risk management. Changes with new technology development affect not only insurance practitioners and insurance itself, but also the application of insurance in financial engineering. By way of financial engineering, insurance can be assembled with other financial instruments to carry through affectively control on underwriting risks. This paper puts emphasis on discussing the trend of insurance development related highly to financial engineering. From the angle of theory and reality and rooted in China practicality, and what role insurance plays in exertion of financial engineering and how financial engineering serves insurance.
关键词
保险
金融工程
风险管理
保险衍生物工具
Insurance
Financial Engineering
Risk Management
Insurance Derivative Instrument
