論我国保险资金运用渠道的拓展与完善.docVIP

本科生毕业论文(设计) 论文题目：论我国保险资金运用渠道的拓展与完善 姓 名： 范思佳 学 号：014410213178 班 级：保险五班 年 级：10级秋季 专 业：保险 学 院：保险职业学院 指导老师：吕勇斌 完成时间： 作者声明 本毕业论文（设计）是在导师的指导下由本人独立撰写完成的， 作者专业： 保险 作者学号： 014410213178 作者签名： 日 期：  论我国保险资金运用渠道的拓展与完善 范思佳 On the use of insurance funds in our country channel expansion and improvement Fan Si jia 年 月 日 摘要 在当代各国保险市场上,如果说提供保险保障和开展保险业务是保险公司产生和生存的基础,那么,保险资金运用则是保险公司生存、发展和壮大的重要保证。因此,在开放条件下,任何保险公司要想在保险市场上求得生存与发展,都必须高度重视保险资金运用。近年来，我国在保险资金运用的制度建设方面不断取得进展，保险资金运用渠道逐渐扩宽，多元化资产配置的框架已经初步形成。2009年10月1日实施的新《保险法》进一步拓展了保险资金运用渠道，为我国保险资金直接投资不动产提供了法律保障。同时监管部门也在根据新《保险法》起草保险资金投资不动产的管理办法和实施细则Abstract In the contemporary international insurance market, if provides insurance protection and carry out insurance business insurance company is produced and the survival foundation, then, the use of insurance funds is the insurance company survival, development and growth is important assure. Therefore, under the open conditions, any insurance company wants to be in the insurance market to seek survival and development, must attach great importance to the use of insurance funds. In recent years, our country is in the use of insurance funds, institutional construction progress, the use of insurance funds channels gradually widening, diversified asset allocation framework has been initially formed. In October 1, 2009 the implementation of the new insurance law to further expand the use of insurance funds channels, Chinas direct investment of insurance funds in real estate to provide legal safeguard. At the same time regulators in according to the new insurance law drafting insurance and real estate investment funds management method and executive detailed rules. The application of insurance fund needs to have wider channels for investment, below I on the application of insurance funds are summed up and perfected, and on the basis of the original was widened, such as the gold investment and financial futures and other fi