摘要
次贷危机通过跨市场金融风险对世界保险业造成重创,所以分析研究跨市场金融风险向保险业传递的路径、过程和后果十分必要,得出的相应启示和建议也具有较大实践意义。将次贷危机作为实证分析基础,跨市场金融风险有源于交叉性金融产品和金融控股公司两种类型,CDO及CDS等交叉性金融工具和保险集团是典型跨市场金融风险向保险业传递的途径,这些风险的传递导致保险公司受到重创,也给保险业未来发展带来启迪。
The subprime mortgage crisis has made great losses to insurance companies though the crossmarket financial risks＇ transmission to underwriting. So it is important to research the ways, process and results of the transmission. The inspiration and suggestions extracted from the research are valuable and executable. Basing on analysis of the subprime mortgage crisis, the cross - market financial risks can be classified into two kinds： One is generated from the cross - sector financial instrument, represented by the CDO and CDS; the other one is generated from the financial holding corporation, represented by the insurance group. Risks of the two kinds have hit underwriting with different ways and courses which are the focus of this paper.
出处
《财经科学》
CSSCI
北大核心
2009年第2期18-24,共7页
Finance & Economics
关键词
保险业
次贷危机
跨市场金融风险
Underwriting
Subprime Mortgage Crisis
Cross-market Financial Risk
