Any enterprise exists risks and it's running is a process of refraining from risks. Especially to insurance companies, they manage risks through professionally insuring many kinds of insuring risks in society, charging and paying indemnity for a loss. Therefore, to insurance companies themselves, stable running of risk management affect both their development and the development of banks and even other industries. Insurance as a special industry plays a vital pole in society such as stabilizing society, collecting and offering finance and promoting economic development. However, insurance companies' running is special and sensitive. With economy and finance becoming global and free, how to avoid and control running risks has become a vital problem which faced by insurance.In general, insurance companies face with outside environment risks, industry risks and inside environment risks. These risks relate and affect each other rather than stand alone. Then they will embody in the financial stability of a company. Therefore, only wholly distinguishing and managing risk, insurance companies can basically control financial risk. The management risk measures which insurance companies often carry out include financial measures and controlling measures. The former reduces some risks probability through managing assets and debts, investment contracts and insurance; the latter reduces some risks probability through adjusting running strategies such as adjusting asset mobility which makes inside resources adapt to outside management.The levels of management risk of insurance companies are vital to decide whether it can survive or die. Presently both in practice and on theory, the focus is on several classical risk problems such as the risks of interest rate and utilizing finance. Though there are many researches on these problems, how many risks a insurance company face with and how to formulate management risk are not still clear in that the risks are rather complicated. The basic idea is that we would rather carry out measures before risks expose.Management risks of a insurance company consist of insuring risks and investing risks. They embody in financial risks. As a matter of fact, the problem of financial risks is financial stability including the meaning of financial stability, financial target and analysis. Insurance companies enhance the ability of making profit and complicated ability of paying back and promote the level of controlling risks.Refraining from risks is a systematic project. Which runs through many aspects which embody in control financial risks of insurance running. Therefore , the key to controlling financial risks is that the ability of paying back must adapt to the ability of undertaking risks. |