保险资金运用探究.pdfVIP

摘 要 现代保险业定义不仅包括经济补偿功能，还包括资金融通功能和社会风 险管理功能，这说明保险业务和保险资金运用是现代保险企业具有同等重 要地位的两大主导业务，保险资金运用业务正日益成为保险业健康发展的 基础。 随着近几年国内保险业的快速发展，保费收人增长迅猛，每年同比增长 达23.62% ，远远高于国内同期GDP 的增长。但与西方各国保险投资相比， 国内的保险资金运用水平却还处于西方发达国家上个世纪七、八十年代的 状态。虽然截至2005 年3 月份国内保险可投资资金达1.17 万亿元，同比增 长了 12.2%，但保险资金投资收益率却自2001 年来连续三年不断下降，保 费收入快速增长和资金运用收益渐趋下降的矛盾已变得越来越突出，甚至 有可能直接影响到保险公司的偿付能力和经营稳定性。中国保险业面临的 是二十一世纪的竞争，加人WTO 以后，中外资保险公司之间的竞争将日趋 激烈和白热化，中国保险投资必须进行改革才能缩短与国外的差距。 本文在阐述国内外保险行业投资现状的基础上，分析指出当前国内保险 投资存在以下问题:1、金融市场不完善，投资工具缺乏；2、保险资金投资监 管能力有待提高；3、保险资金运用的结构不合理；4 、保险公司本身问题。 通过分析，本文从保险公司角度出发认为保险资金运用无论从投资渠道 与监管方式以及保险公司自身管理模式，都存在着一些问题，急需改革， 并提出了几点建议：1、建立专业化保险资产管理机构；2 、加强对保险公 司偿付能力的监管；3、强化保险资金运用的风险意识与健全风险管控体系； 4 、拓宽国内保险资金投资渠道；5、拓展保单贷款。 关键词: 保险资金；资金运用；管理模式 ABSTRACT Definition of modern insurance includes not only economic indemnity function but also financial facility and social risk management function, which means insurance operation and insurance capital application are the coequally important dominant operations in modern insurance enterprises and the latter is becoming the basis of healthy insurance development. With the rapid development of insurance business in recent years, the premium increases tremendously in the ratio of 23.62% every year, much faster than the GDP growth in the corresponding period. Meanwhile, the insurance capital application in China is still far behind the insurance investment in the developed country. Although the investment capital in local insurance now rises to 1170 billions in the growth ratio of 12.2%, it has dropped ceaselessly since 2001. There has been an increasingly serious contradiction between the rapid premium growth and capital application income decline, which would probably affect the solvency and