对我国保险资金运用与监管的思考.docVIP

对我国保险资金运用与监管的思考 论文提要 保险资金的运用，是保险公司在组织经济补偿的过程中，将暂时闲置的保险资金运用于投资或融资，使资金增值的活动。从发达国家的经验看，保险公司承保业务利润空间很小，甚至长期亏损，主要靠资金运用收益来弥补承保业务的亏损，保险投资业务是其最主要的利润来源。保险资金运用于股票、债券、房地产、实业项目，是通行的作法。然而，由于种种问题的存在，我国保险投资业务无法获得快速、健康的发展。The application of insurance funds, insurance company in the organization of economic compensation process, will temporarily idle insurance money for investment or financing, make capital value-added activities. From the experience of developed countries, insurance companies underwriting profit space is very small, or long-term losses, mainly rely on the use of funds income to make up the underwriting losses, insurance investment is the most important source of profit. The insurance money for stocks, bonds, real estate, industrial projects, is a common practice. However, due to various problems, China s insurance investment business to get fast, healthy development. Do well the use of insurance funds is beneficial to enhance the insurance industry profitability and solvency, helps to promote the coordinate development of financial market. Strengthen the supervision of the insurance fund is helpful to promote the rapid and sound development of the insurance industry. This article based on the use of insurance funds the development path, the opportunities and challenges of the analysis, proposed the use of insurance funds as well as the focus, strengthen and improve the supervision suggestions. Key words : insurance funds, fund use, supervision of the use of funds 目 录 我国保险资金运用的发展历程及其启示 ……………………………………2 1.2治理整顿阶段 1.3规范发展阶段 1.4 专业化、市场化发展阶段。 2. 保险资金运用面临的形势与挑战 ……………………………………………3 2.1 工业化、城市化、市场化的趋势不可逆转 2.2 经济金融国际化的趋势不可逆转 2.3金融混业经营的趋势不可逆转 2.4 金融业发展方式转变的趋势不可逆转 3. 当前保险资金运用的重点领域 ………………………………………………4 4. 进一步改善和加强保险资金运用监管 ……………………………………5 4.1强监管信息化建设，抓紧实现全天候、零距离在线实时监管 4.2加强制度建设，建立有效的反馈调整机制 4.3加强监管队伍建设，着力提高监管者素质 4.4鼓励创新，加强对创新型产品的监管 4.5加强与其他监管部门的交流与合作 4.6推动保险资金运用向保险资产管理转变，把监管的重心转向风险控制 5. 参考文献 ………………………………………………………………………6 从1980年恢复国内保险业务以来，保险资金运用走过了初始阶段、治理整顿阶段、规范发展阶段、专业化