论寿险经营风险的防范和控制

寿险经营 ,实质上是一种负债经营 ,而且由于寿险风险具有隐藏性、累积性、爆发性和危害性的特点 ,一旦爆发 ,就可能造成严重的社会后果 ,这就需要寿险公司及其监管机构及早识别寿险经营中存在的风险 ,进行防范和控制 ,以维持寿险经营的稳定。本文从防范和控制寿险经营风险的必要性出发 ,分析了寿险经营中存在的各种风险 ,尝试运用财务分析法中的各种指标测试来识别这些风险 ,提出了监管机构、寿险公司和自律组织在寿险经营风险防范和控制中应采取的各种措施。

Preventing and Controlling of the Risks in theManagement in Life Assurance

Management of life assurance, in fact, is a kind of management in debt, and furthermore the risks in the management of life assurance often remaining under cover, and they have the characters with accumulation, sudden and harmfulness. When the risks break out, they will result in serious social consequence. So the life assurance company and its supervisory department should realize the risks in advance and try to guard against and control them. In order to prevent and control the risks, this essay gives analyses to all kinds of risks in the management and tries to help the readers realize them by financial analyzing and testing, and this essay also puts forward many measures for the life assurance company and supervisory department to prevent and control the risks in the management of life assurance.