随着全球化进程的推进,企业面临的风险逐渐呈现出多样性与复杂性,企业的风险管理能力越来越受关注。本文拟将Va R模型与ES模型创新性的应用于对保险公司日常经营的风险管理之中。依托于四家保险公司的真实财务数据,以其主要险种的承保利润(损失)为例证,运用了Va R模型和ES模型。 With the progress of globalization, the risks faced by enterprises gradually show diversity and complexity, and their risk management capabilities are getting more and more attention. This paper intends to apply the VaR model and the ES model to the risk management of the daily operations of insurance companies. Relying on the real financial data of the four insurance companies, the underwriting profit (loss) of their major lines is used as an example to illustrate the VaR model and the ES model.