浅析我国保险资金运用的管理与监管.docVIP

山东财经大学 本科毕业论文(设计) 题 目：我国保险资金运用的管理研究 学 院 保险学院 专 业 保险 班 级 保险0901 学 号 2009030004 姓 名 董 瑶 指导教师 吕志勇 山东财经大学教务处制 二Ｏ一三年五月 摘要 我国保险业自恢复以来得到了快速的发展，在国民经济的发展中起着愈来愈重要的作用，作为当今保险业发展“核心”之一的保险资金运营也日益受到重视，能否安全高效地运用保险资金也成为衡量一个保险公司管理经营水平和一个国家保险业发展状况的重要指标，当今保险市场的竞争已日趋激烈，承保利润呈下降趋势，这使得保险机构通过保险资金运用获得收益显得尤为重要。然而，随着保险业的发展，对保险资金运用管理与监管水平的要求也不断提高。本文首先做了一些基本概念的界定，随后对我国保险资金运用管理与监管的现状进行了分析并提出了目前存在的问题，在第三部分中，对国外保险资金运用管理与监管的特色进行了简单的分析；最后，从五个方面方面提出了一些改善措施。 关键词：保险资产；保险资金运用；保险资产管理；资金运用监管 Application of Insurance Funds Abstract Since the restoration of Chinas insurance industry, It has been rapidly growth and plays an increasingly important role in the development of the national economic. As one core of insurance development, the application of insurance funds also received increasing attention. Safe and efficient of the application of insurance funds have also become an important indicator for insurance companies to measure the level of management and one country to weigh the development of its insurance industry. the request of management and supervision of insurance fund has raised.Nowadays, the competition in insurance market is more and more fierce, and underwriting profit tends to fall down, so getting profits through insurance funding is playing a decisive role in a insurance institution. While, with the developing of the insurance, the request of management and supervision of insurance fund has raised. Nowadays, the competition in insurance market is more and more fierce, and underwriting profit tends to fall down, so getting profits through insurance funding is playing a decisive role in a insurance institution. While, with the developing of the insurance, the size of the insurance capital is increasing in a high speed. The way of investment has been broaden. At the same time, the request of management and supervision of insurance fund has raised. In the paper, some basic concepts are made in the first. T