改革
改革
개혁
Reform
2009年
1期
31~36
,共null页
国有资产 风险管理 自保基金
國有資產 風險管理 自保基金
국유자산 풍험관리 자보기금
state-owned assets, risk management, self-insurance fund
我国国有资产的风险管理关乎国民经济的健康发展和财政收支的稳定。作为一种风险管理手段，自保在世界各国被广泛运用于工人伤害赔偿、健康与医疗保障以及财产损失保障领域。为防范巨灾风险对自保基金的冲击，选择自留一定责任限额的商业保险成为大多数自保基金的主要策略。国有资产的风险管理是国有资产管理的重要内容，除了防范那些体制性的、市场的以及人为风险的同时，对自然灾害以及意外事故造成的损失的防范也尤为重要。
我國國有資產的風險管理關乎國民經濟的健康髮展和財政收支的穩定。作為一種風險管理手段，自保在世界各國被廣汎運用于工人傷害賠償、健康與醫療保障以及財產損失保障領域。為防範巨災風險對自保基金的遲擊，選擇自留一定責任限額的商業保險成為大多數自保基金的主要策略。國有資產的風險管理是國有資產管理的重要內容，除瞭防範那些體製性的、市場的以及人為風險的同時，對自然災害以及意外事故造成的損失的防範也尤為重要。
아국국유자산적풍험관리관호국민경제적건강발전화재정수지적은정。작위일충풍험관리수단，자보재세계각국피엄범운용우공인상해배상、건강여의료보장이급재산손실보장영역。위방범거재풍험대자보기금적충격，선택자류일정책임한액적상업보험성위대다수자보기금적주요책략。국유자산적풍험관리시국유자산관리적중요내용，제료방범나사체제성적、시장적이급인위풍험적동시，대자연재해이급의외사고조성적손실적방범야우위중요。
The risk management of China＇s state-owned assets related to the healthy development of the national economy and the stability of financial balance of payments. As a means of risk management, self-insurance have been widely used in the world for workers compensation for injury, health and medical protection, as well as the protection of the area of property losses. In order to guard against the impact of catastrophic risk, selecting certain commercial insurance with liability limited becomes a main strategy of the self-insurance funds. Risk management of stateowned assets is an important aspect, in addition to guarding against those institutional risks, market risks, as well as man-made risks, the prevention of natural disasters and accidents caused by the loss is also particularly important.
