金融机构风险事件后应急恢复策略研究

考虑到金融服务系统故障等风险事件的产生会影响金融服务机构的业务连续性，对相关经济系统产生负面影响，机构必须及时采取应急恢复措施加以应对，本研究在考虑金融服务系统特征的前提下，提出了内生恢复努力投资、外部能力援助、保险购买3类恢复措施，研究了金融机构的风险事件后最优恢复策略投资问题；通过构建模型并求解的方式得出了每种措施的最优投资额，并分析了外部能力援助和保险购买对内生恢复的影响。研究结果表明，外部能力援助对内生恢复努力有抑制作用；风险发生概率高于保费费率时机构才会投保，保险购买可促进内生恢复努力投资。

Research on Emergency Recovery Strategy after Risk Event in Financial Institutions

The occurrence of risk events such as system failure will affect the business continuity of financial service institutions and have a negative impact on the relevant economic systems. Institutions must take emergency recovery measures to deal with them in time.On the premise of considering the characteristics of financial system, we puts forward three kinds of feasible recovery measures: endogenous recovery effort investment, external capacity assistance and prior insurance purchase, and studies the decision-making problem of recovery measures after risk events in financial service system. The optimal investment of each measure is obtained by constructing and solving the optimization model, and the influence of external capability assistance and insurance purchase on the recovery of internal health is analyzed. The results show that external capacity assistance has a inhibitory effect on endogenous recovery efforts, and when the probability of risk occurrence is higher than the premium rate, the institution will insure, and the insurance purchase can promote the investment of endogenous recovery efforts.