摘要: 保险公司是经营风险的主体，风险的识别、管理和控制对保险公司而言是特别重要的，风险的客观性决定了它不能彻底消除，只能采取合理措施加以防范和控制。本文从保险公司的风险理论出发，首先阐述保险公司风险的相关概念，从保险公司风险的表现形式出发，分析保险公司风险产生的原因，并提出有效规避风险的方法和意见。希望对保险公司的稳定发展提供一些思路。

关键词：保险公司； 经营风险；风险控制； 

Abstract: Insurance companies are the main part of operational risk.Identification, and management of  risk control is particularly important for insurance companies. Financial risk can not be completely eliminated because of its objectivity,it can only be prevented and controlled by taking reasonable measures.This paper elaborates the concepts of risk of insurance companies,from the risk theory firstly,then analyses of the causes of the risk of insurance companies from the form of  insurance companies risk, and puts forward the method and suggestion to avoid risks.Hope to provide some ideas for stable development of the insurance companis.

Keywords：Insurance companies；management of risk；risk control