摘要
随着全球金融市场的复杂性和不确定性持续增加，保险公司在金融风险管理中的角色日益凸显。本研究旨在探讨保险公司如何通过创新策略和工具有效应对金融风险，并为行业实践提供理论支持。研究基于系统性金融风险的理论框架，结合案例分析与定量建模方法，深入剖析了保险公司在资产配置、产品设计及资本管理等方面的具体实践。结果表明，保险公司通过多元化投资组合、动态再保险安排以及金融科技的应用，能够显著提升风险管理效率。此外，本研究发现保险公司正在逐步从传统的被动风险承担者向主动风险管理参与者转变，这一趋势对维护金融市场稳定具有重要意义。本文的创新点在于首次将行为金融学理论引入保险公司风险管理研究，并提出了一种综合评估模型，用于量化保险公司风险管理策略的有效性。主要贡献体现在为保险公司优化风险管理提供了新的视角和方法论支持，同时为监管机构制定相关政策提供了参考依据。这些研究成果不仅有助于提升保险公司的核心竞争力，也为金融体系的整体稳健运行奠定了基础。
关键词：金融风险管理；保险公司；行为金融学；风险管理策略；系统性金融风险
Abstract
As the complexity and uncertainty of global financial markets continue to increase, the role of insurance companies in financial risk management has become increasingly prominent. This study aims to explore how insurance companies can effectively address financial risks through innovative strategies and tools, thereby providing theoretical support for industry practices. Based on a theoretical fr amework of systemic financial risk, this research combines case analysis with quantitative modeling methods to examine the specific practices of insurance companies in asset allocation, product design, and capital management. The results indicate that insurance companies can significantly enhance their risk management efficiency by adopting diversified investment portfolios, dynamic reinsurance arrangements, and fintech applications. Furthermore, this study reveals that insurance companies are gradually transitioning from traditional passive risk takers to active participants in risk management, a trend that holds significant implications for maintaining financial market stability. A key innovation of this paper lies in the first-time integration of behavioral finance theory into the study of risk management in insurance companies, along with the development of a comprehensive evaluation model designed to quantify the effectiveness of insurers' risk management strategies. The primary contributions of this research include offering new perspectives and methodological support for optimizing risk management in insurance companies, as well as providing reference points for regulatory authorities in formulating relevant policies. These research findings not only help improve the core competitiveness of insurance companies but also lay a foundation for the overall robust operation of the financial system.
Keywords：Financial Risk Management; Insurance Company; Behavioral Finance; Risk Management Strategy; Systemic Financial Risk
目 录
摘要 I
Abstract II
一、绪论 1
(一) 研究背景与意义 1
(二) 国内外研究现状综述 1
(三) 研究方法与技术路线 1
二、保险公司金融风险管理的角色定位 2
(一) 保险公司在金融体系中的功能分析 2
(二) 风险管理的核心角色解析 2
(三) 角色定位对金融稳定的影响 3
三、保险公司金融风险管理的主要策略 4
(一) 资产负债管理策略分析 4
(二) 基于大数据的风险评估策略 4
(三) 衍生工具在风险管理中的应用 5
四、保险公司金融风险管理的挑战与应对 5
(一) 外部环境变化对风险管理的挑战 5
(二) 内部机制优化以提升风险管理能力 6
(三) 创新驱动下的风险管理策略调整 6
结 论 8
参考文献 9
