文档介绍：苏州大学
硕士学位论文
中资寿险公司财务风险管理研究——以A人寿保险公司为例
姓名:袁育明
申请学位级别:硕士
专业:工商管理
指导教师:王则斌
20100518
中资寿险公司财务风险管理研究——以 A 人寿保险公司为例中文摘要
中资寿险公司财务风险管理研究
——以 A 人寿保险公司为例
中文摘要
在过去的几十年里,中国的保险业得到了飞速的发展,其中中资寿险公司占有
90%以上的寿险市场份额。中资寿险公司迎来了前所未有的发展机遇,但是在快速成
长,取得成绩的同时,也暴露了中资寿险公司财务风险管理方面的不少问题。
中资寿险公司经营的就是风险,为千家万户、各行各业提供风险保障。然而,中
资寿险公司作为一个经济实体,同样也存在着风险。如果其自身的风险管理不好,不
仅会影响公司的生存与发展,还会影响社会的安定团结。因此,在这个背景之下探讨
如何对中资寿险公司的财务风险进行管理是有很强的现实意义。
本文简要地归纳了国内外财务风险管理论研究,并对风险、财务风险进行界定,
阐述了中资寿险公司财务风险的特点,指出了中资寿险公司财务风险的表现形式及其
成因。在借鉴了欧洲各国寿险公司财务风险管理的成功经验之后,从筹资、投资、现
金流量的角度,分别探讨了中资寿险公司财务风险的管理策略。
最后本文选择了实践中的A人寿保险公司进行财务风险分析,总结出一些对中资
寿险公司很有用的经验。

关键词:中资寿险公司财务风险风险管理

作者:袁育明
指导老师:王则斌
I
Abstract Research on Financial Risk Management of Sino-funded Life pany——Use A pany as a case
Research on Financial Risk Management of Sino-funded
Life pany
──Use A pany as a case
Abstract
In the past several decades,the Chinese life insurance industry has developed at its
full speed. Sino-funded panies possess more than 90% market share in life
insurance. Sino-funded panies usher unprecedented opportunities for
development,but in the rapid growth, they have also met many problems in financial risk
management.
The business of Sino-funded panies is the risk. Businesses provide risk
protection in order to the interests of thousands of households. However,Sino-funded
panies are looked as an economic entity,there are also risks. If their own risk
management is not good,which not only affect pany's survival and development,
but also affect social stability. Thus,with this context,it has a strong practical significance to
explore how to manage financial risk of the Sino-funded panies.
This paper briefly summarizes the financial risk management theory of domestic and
international and then defines the risk,financial risk. The paper describes the characteristics
of financial risk of Sino-funded panies. This paper points out manifestations
and its causes of