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来源：百度知道 编辑：UC知道 时间：2024/06/01 16:18:59
内容摘要：
随着全球金融业的发展，银行、证券、保险等行业相互融合、渗透，金融混业经营已逐渐成为一种发展趋势。在经济金融全球化的大趋势下，国际金融业混业经营必将对中国金融业的经营体制产生深远的影响。在此背景下，作为金融业重要组成部分的保险业，不仅面临着保险业经营的一般风险，而且面临着金融混业经营下的特殊风险。显然，在这种背景下，保险业乃至金融业的健康、稳健、可持续发展，需要从战略上强化风险管理，有效配置社会资源。
本文在立足中国国情的基础上，运用理论与实际相结合、中国国情与国际惯例相结合、金融保险理论与经济学理论相结合及比较分析法等研究方法，对中国保险业在金融混业经营背景下的风险管理所面临的问题、风险管理方法、技术、战略构想及其相关制度安排问题进行了一定深度的研究，并初步构建了金融混业经营背景下保险业风险管理战略的基本理论框架。
关键词： 风险管理，金融混业经营，保险业，战略选择

译成英语：
With the development of the global financial industry, banking, securities, insurance and other sectors of mutual integration, and infiltration, the financial operation mode has gradually become a trend. In the economic and financial globalization trend, the international financial sector is bound to the operation mode of China's financial industry operating system have far-reaching effects. In this context, the financial industry as an important part of the insurance industry, not only facing the general insurance business risks, but also facing a financial operation mode under the special risks involved. Clearly, in this context, the insurance industry and the financial industry's health, stability, sustainable development, the strategic need to strengthen risk management and effective distribution of social resources.
In this paper, based on China's national conditions, based on the use of combining theory and practice, China's national conditions