金融工程：研究方向与发展展望

本文根据金融工程的广义定义，总结了金融工程在金融工具定价、利率变化模型、金融风险控制技术、银行资产负债管理决策模型、保险数学等方面的最新研究进展和研究方法。尽管金融工程的快速发展丰富了风险管理技术，但不能完全消灭金融风险，只是通过金融工具的组合运用，提供了分散风险的方法。金融工程的发展应该致力于建立和不断完善金融机构全面系统的内部风险控制机制。

Financial Engineering: Research Orientation and Prospects for the Development

In terms of the generalized definition of financial engineering, this paper sums up the latest advance and the way of researching the model of interest-rate changes, the technology for controlling financial risks, the model of decision-making on bank assets liability management, insurance mathematics and so on. It is undeniable that the rapid development of financial engineering has enriched the technology for risk management, but the financial risks can not be avoided at all. Only the combined application of these financial instruments may provide the way to disperse the risks. The development of financial engineering should be devoted to the continuous perfection of the internal risk control mechanism in all financial institutions.