始于2007年的美国次贷危机,2008年9月进入高潮,全球保险业巨头美国国际集团(AIG)仅以850亿美元的身价被美国政府接管。分析AIG危机产生原因的机理和教训,警示中国保险业关注国际金融风险传导、注重风险控制、建立健全监管体系、培育有效信用评级机构和完善保险公司风险管理。
Sub- prime mortgage crisis that happened in the United States in 2007 reached a climax in September 2008. The global insurance giant, American International Group (AIG) was taken over by the U.S. government with the worth of only 85 billion U.S. dollars. An analysis on the mechanisms and lessons for AIG crisis causes is made, warning China' s insurance industry to pay great attention to transmission of international financial risks, highlighting of risk control, establishing and improving the regulatory systems, and fostering effective credit rating agencies and consummating risk management of insurance companies.