中文摘要：

2007年发端于美国的次贷危机迅速演变为全球性金融危机,各国金融业损失惨重,作为金融业三大支柱之一的保险业也未能幸免。本文分析了金融危机冲击下全球保险业的风险变动和随之引发的保险业风险管理策略新动向,同时这些变革也给我国保险业在未来的改革与发展中,如何防范风险、健康成长带来深刻启示。

英文摘要：

American subprime mortgage crisis broken out in 2007 rapidly develops into a global financial crisis,and it has destruction to financial industry in various countries.And insurance industry,one of three pillar industries of financial industry,suffers a lot.In this paper,we make an analysis on the risk changes of global insurance industry under the shock of financial crisis,and the following changes of risk management strategy of insurance industry.Meanwhile,these changes also provide us with the inspiration of how to prevent against risk and keep healthy development.