中文摘要：

鉴于保险金融综合经营模式的发展，风险管理成了保险金融集团管理的重中之重。基于经济资本工具，着重分析了我国保险金融综合经营中的风险管理特点，构建经济资本工具计量分析模型，利用尾部风险价值分析法，实证研究了中国平安保险公司的综合经营模式，明确经济资本与风险管理间的关系，给出相应的政策建议：保险公司在综合经营中，加强信息化建设，拓宽风险信息的获得渠道，加强后援集中化建设，丰富金融板块格局。

英文摘要：

In view of insurance financial integrated management mode of development, risk management play the most important rule in insurance financial group management. Based on the economic capital tools, focusing on the analysis of our country insurance financial comprehensive operation risk management characteristics, construc- ting the economic capital tool measuring analysis model, using the Tail Risk Value analysis, empirical research Ping An insurance company＇ s integrated business model, clear economic capital and the relationship between the risk management. At last ,the paper gives the corresponding policy suggestion： the insurance company in the com- prehensive management, strengthen information construction, broaden the risk the acquirement of information chan- nels, strengthen the backup centralization construction, rich financial plate pattern.