Through introducing the theory of security portfolio and assets portfolio , this article points out that on the basis of decreasing the risk love , under the precondition of without increase of risks , life insurance companies can effectively rise their earning ability and avoid occurrence of solvency risk by expanding investment channel and investment diversification 本文通过引入证券投资组合及资产投资组合理论，指出在降低保险人风险偏好程度的基础上，适当地拓宽投资渠道，进行分散投资可以在不增加风险的前提下，有效地提高寿险投资的收益水平，从而避免偿付危机的产生，使寿险公司真正发挥出其应有的作用。
I apply the theory what i learnt , combining enterprise character , set up the encouraging and restraint mechanism that accord with the enterprise practice as forexamination system , reduce the proportion of fix income , increase the proportion of risk income and achievement income . set up the monetary system of on the job expenditure and long term encouraging system . set up the restraint system that integrating enterprise inner restraint and outer restraint 论文结合企业特点，制定符合企业实际的基层管理者激励机制和约束机制，在考核制度上，缩小固定收入的比例，增加风险收入和绩效收入的比例；建立在职消费的货币化制度和长期激励制度；建立企业内部约束和外部约束相结合的约束机制。
In this paper , based on the project benefit and risk hobby of personal consideration , the uncertainty concept of entropy is used to measure multiple angle and directional risk combining with the analysis method of traditional variance and probability , the connection of benefit and risk has been proposed , which will become a complete process of risk appraisal for increasing dependable of risk measurement 基于对投资项目收益及个人风险喜恶的考虑，本文根据熵度量不确定特征，结合传统方差法、概率分析等优点，综合考虑收益与风险之间的联系，多角度、多方位对风险进行度量，从而形成了一个完整的风险评价过程，以增加风险度量的可靠性。
We need to bereave of and adjust the risk assets , deal with bad assets , bring down the risk assets ratio , and increase the risk mitigating factors . what more important is to build a road adaptable to improve the capital adequacy ratio , according to the development of the risk management of the international banks and the need of basel , we should establish comprehensive risk management and improve risk measure technology . economic capital management has been theoretically and empirically testified for its critical role in managing risk in banking system 一方面既要积极以各种手段剥离与调整风险资产,加大处理不良资产,降低风险资产权重,增加风险释缓作用;另一方面更重要的在未来发展中制定适合我国银行提高资本充足率的路径,根据国际银行业风险管理的发展趋势以及《新资本协议》的要求,尽快建立一套既能与国际银行业接轨又适合我国银行业的全面风险管理体系,努力提高风险识别和量化管理的水平;实施经济资本预算管理,在各级行建立资本有偿使用机制,强化资本对资产业务和风险资产扩张的硬约束,促使各级行大力拓展低风险、高收益的资产业务和中间业务,不断提高自身资本积累能力。
