金融系统风险管理

AIA confidential and proprietary information. Not for distribution. 金融的风险管理AIA confidential and proprietary information. Not for distribution. AIA confidential and proprietary information. Not for distribution. 金融人的思维 永续经营三季人的故事AIA confidential and proprietary information. Not for distribution. 金融规律小数法则（默菲定律）只要有可能一定会发生大数法则（平均法则）发生量越大，越接近规律（概率）打麻雀、锄大 D、赌博。AIA confidential and proprietary information. Not for distribution. 赢家在好运气（小概率）狠狠地赚钱、在坏运气（小概率）时候保全资产输家在好运气的时候赚小钱在坏运气的时候毁灭AIA confidential and proprietary information. Not for distribution. 保险公司的风险管理1、资本的 20%放在人民银行 清算债务2、保险保障基金3、偿付比率AIA confidential and proprietary information. Not for distribution. 银行的风险管理1、存款准备金 预防挤兑2、资本充足率（ 1988巴塞尔协定 8% ）最后偿债能力3、存贷比 70%4、贷款安全措施 （抵押、按揭、担保、质押）AIA confidential and proprietary information. Not for distribution. 1、止损 会止损最多犯小错、不会止损犯大错证券投资的风险管理9|AIA confidential and proprietary information. Not for distribution. 9在投资中 :止损就是保险AIA confidential and proprietary information. Not for distribution. 1、止损 会止损最多犯小错、不会止损犯大错2、资金管理 仓位控制、持股数3、纪律（情绪管理）证券投资的风险管理AIA confidential and proprietary information. Not for distribution. 金融堤坝AIA confidential and proprietary information. Not for distribution. 家庭理财核心分帐管理银行：备用金帐户保险：急用金帐户 金融堤坝重疾险和人寿险：抵御人身风险分红险： 抵御经济和人性风险、规划未来投资：钱生钱帐户你知道四个帐户的最佳开户行吗？1养老2应急3生活4投资证券或实体银行或现金银行或保险年金AIA confidential and proprietary information. Not f