AIG 保险公司的非保险化（The uninsurance of AIG insurance）.docVIP

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AIG 保险公司的非保险化（The uninsurance of AIG insurance）.doc

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AIG 保险公司的非保险化（The uninsurance of AIG insurance）

AIG 保险公司的非保险化（The uninsurance of AIG insurance） AIGs crisis lies in diversification into the securities industry, and then use the securities companys model to operate insurance business. If Lehmans bankruptcy is because of diversification into commercial banks and real estate investment business, so the AIG crisis is diversified into securities companies, and securities companies mode of operation of insurance business, but as a result of the different paths, cross-border business mistake capital led to the company in the face of crisis fragile. Operational synergy trap The last century at the end of 90s, in the financial industry and business cooperation under the background of cross selling, AIG also conducted extensive diversification and expansion, from the traditional insurance business diversification into many areas of securities companies, commercial banks, investment management, financing and leasing. One of the most proud of is that the company that develops and sells financial products subsidiary -- AIGFP (AIG Financial Products Inc.), known as an important part of AIG diversified portfolio, AIG is cross selling on the platform of a pearl. AIGFP is similar to the securities company, the core business is engaged in OTC derivatives and structured financial products launched and trading, and to innovation, the pursuit of high profit rate for the purpose of a credit default swap (CDS) of the main provider. As of the end of 2007, AIG has sold $527 billion (plus other super DS CDS CDS, the nominal volume reached US $580 billion); in the counterparty, the $379 billion CDS sold to European financial institutions, to help them in the transition period to the new Basel agreement to reduce the risk of assets, to achieve capital adequacy requirements; and the $6 billion 500 million CDS CDO is sold to the issuer, the issuer when CDO was forced to redeem CDO and cannot be sold again, AIG will buy at par. The rapid expansion of AIGs CDS business has directly led to the