中国寿险业的考察可以从一个全新的视角进行研究，其可能存在的风险又是一个特别重要的问题。环境的变化、经营的失误、决策的不力等将是中国寿险业遭受资产与信誉损失的重要原因。在对现有文献和研究成果总结与回顾的基础上，论文首先考察了寿险经营的风险特性、寿险管理的特点、寿险市场的结构特征等因素，之后，又分析了产生风险的原因，进而导出寿险经营风险性的内在特性，为制定防范和化解风险的措施和政策提出了可能的依据。由于寿险合同的长期性，寿险潜在的风险在短时期内常常不会暴露，这使寿险经营中容易忽视风险的防范，片面追求业务的扩张。正因为如此，寿险业是一个需要监管的行业。世界各国的保险经营实践也表明，保险业偿付能力危机的发生与监管程度有着密切的关系。 其次， 论文讨论了VaR的计算方法建立的寿险业风险管理评价体系，阐述了体系的原理和计算方法。论文建议中国的寿险公司和监管部门最好采用VaR的计算方法来评估自身所存在的风险。最后，根据上面的分析，论文提出了我国寿险业防范的对策和措施。 对中国寿险业风险水平及防范措施的研究，具有十分重要的意义，同时也十分具有学术研究的价值。本论文的研究明晰了寿险行业积聚的风险、风险变迁方式及其成因，这有可能使寿险行业的管理者认识到，积极应对，防患于未然，对确保我国寿险业的稳步健康发展是有一定现实意义的。

The research on life insurance industry in China can be done in a brand new angle. For example, our research can just start from the possible risk of life insurance to search the depth. Generally speaking, the environmental changes, poor management, and wrong operation strategies are possible factors leading to a miserable situation and causing the losses of assets of life insurance industry in China. First, based on the literatures and findings of previous researches, this thesis has explained the reasons of the life insurance industry risks and its internal features by detailed investigations on the risky and managerial features of life insurance operation and the structural features of life insurance industry. At the same time, the thesis has provided a basis for preventing and solving the risks in the areas of life insurance industry. The long-term life insurance contract can hardly expose those potential risks. If this is the case, it is possible for people to overlook the risks and for companies to only pursuit the expansion of the business. For this reason, life insurance industry is an area that should be supervised and can be controlled. As a matter of fact, the reality and practices in the field of life insurance industry around the world also show that the crisis of pay ability closely relates to the supervision and control of the whole industry. Secondly, using VaR life insurance risk management system, on the basis of analyzing the potential risks, the thesis presents a system to supervise the life insurance risks. Meanwhile, the thesis also presents the principles and methods of calculation. The thesis encourages the life and insurance industry in China to use VaR system to analyze and to evaluate the possible risks that might exist in the concerned fields.Finally, following the above analysis, this paper puts out the strategies and measures suitable for the life insurance industry to prevent the coming risks. The research on the prevention of life insurance risks in China is with significant meanings and great academic research value. Guided with the findings of this thesis, people would recognize the risks, possible changes, as well as the possible factors leading to the future risks. To keep the life insurance industry smoothly going forward, an active reaction to the coming risks is always a must. Moreover, measures should be taken before the risks happen. Only by this way, can a healthy life insurance industry be developing rapidly and smoothly.