“钻石模型”是近年来蒙代尔“不可能三角”理论在二维线性空间拓维基础上发展起来的开放经济模型。本文通过钻石模型的理论演变,阐明该模型如何演绎出一个与金融保险相关的创新空间。这一模型主要是建立在对发展中国家,尤其是新兴市场国家实证分析的基础之上,而其中拉丁美洲又占有重要地位。结合拉美保险市场的现状与未来,本文认为如果拉美国家在后危机时代能够依据钻石模型正确定位金融发展战略,就等于把握住了保险业发展的战略机遇;拉丁美洲国家同中国之间的货币互换诉求恰是可供选择的金融战略方向之一,此举将有利于拉美保险市场的发展。 “Diamond Model ” is the open economy model developed by Mundell ’Impossible Triangle ’ in recent years based on two-dimensional linear space extension. Through the theoretical evolution of the diamond model, this paper illustrates how this model deduces an innovation space related to finance and insurance. This model is based primarily on the empirical analysis of developing countries, especially emerging market countries, of which Latin America also plays an important role. Combined with the status quo and future of Latin American insurance market, this paper argues that if Latin American countries can correctly locate the financial development strategy according to the diamond model in the post-crisis era, it is equivalent to seizing the strategic opportunities for the development of the insurance industry. The monetary exchange between Latin American countries and China Exchange demand is just one of the options for the financial strategy, which will benefit the development of insurance market in Latin America.