摘要
随着保险资金规模的不断扩大,其面临的投资风险也越来越大。分析结果表明,保险资金投资于国债、基础设施建设的风险相对较低;投资于银行存款的风险主要是政府运用利率手段调节宏观经济的结果;而投资于股票市场和证券投资基金的风险非常大。同时,算例分析显示,保险资金应扩大债券类资产的投资份额,慎重选择证券投资基金和股票。
With size extension of insurance fund, its investment risk increased substantially. The conclusion from an analysis shows that insurance companies have to risk more in stock market and security fund comparing with investing in state debts, direct investment in fundamental construction, and the risk of bank deposits is mainly from interest rate fluctuation. Analysis also shows that insurance company should increase the investment of debt and carefully choose funds and stocks.
出处
《福建金融管理干部学院学报》
2008年第3期28-33,共6页
Journal of Fujian Institute of Financial Administrators
关键词
保险资金
在险价值
风险分析
Insurance Fund
Value at Risk
Risk Analysis
