摘要:风险管理在公司中起着非常重要的作用，如果该公司未能采取有效的预防措施，以分散和化解金融风险，这种风险就可能转化为公司的财务危机。保险公司是一种经营风险的金融业公司，它承担着社会各存在风险单位的各种可保风险，从中收取保费并向被保方支付保险金。因此对于保险公司其自身来说，风险管理的稳定、可控不仅仅涉及到保险公司自身财务运营的可持续发展，而且还涉及到金融业甚至其他行业的相关风险抵抗能力，所以说风险管理对于保险公司尤其重要。保险业作为经营风险的特殊性行业，担当着社会解压器、资金的收集与供给，促进经济增长等重要社会职能。在经济上而言，其具有金融行业所特有的敏感性及脆弱性，尤其是随着经济金融的自由化、市场化和全球化的发展，保险业的影响范围和冲击性也在不断增强，如何进行有效地防范和控制保险业的经营风险，已经成为为这一特殊行业实现可持续发展经营的核心问题。

　　　本文运用投资学、管理学、运筹学等相关理论知识，介绍财务风险的界定，分析国内外学者研究现状，以及还需要有哪些需改进的地方，以生命人寿保险股份有限公司为例，从实际出发，对其财务风险及风险的防范措施进行了系统分析，帮助企业化险为夷。

关键词 财务风险；原因分析；防范措施

Abstract:Risk management plays a very important role in the company, if the company did not take effective preventive measures to diversify and reduce financial risks, it may transformed into the financial crisis. The insurance company is a Operational risk financial careers, which assume the responsibility of various risks in the community, by collecting insurance premiums. Therefore, for the insurance company，The stability of risk management, control or not will not only influence the sustainable development of insurance company financial operations, but also  financial industry or other industries, particularly for insurance companies. As a particularity industry，insurance company promote social stability, aggregation and supply of funds ，continue promoting the growth of social economic. In economic terms, which has a unique sensitivity and vulnerability in the financial industry, especially with the development of economic and financial liberalization, marketization and globalization, the scope and the impact of the insurance industry is also growing, how to prevent and control the operational risks effectively, has becoming a core issue for this particular industry.

　　　In this paper, Investment, management science, operations research has been used，introduce the definition of financial risk，analysis the domestic and foreign scholars research, discuss what else needs to be improved. Life Insurance Company Limited, for example, a systematic analysis of their financial risks and risk prevention measures will help it avoiding risks in the future.

Keywords  Financial risk   Cause Analysis  Preventive measures