摘要
资产负债匹配管理永远是保险资金运用的核心内容。保险资金的合理运用直接影响到保险公司的盈利能力、竞争能力、承保能力和偿付能力。目前国内保险资金运用在资产负债匹配管理、投资结构、资金运用收益率、保险监管等方面存在不足。如果不能得到改善,我国保险业将会出现未来支付缺口的潜在风险。本文从保险资金运用与资产负债匹配管理的基本理论、保险资金运用的国际考察、我国保险资金运用现状及问题和对保险资金运用的策略建议四个方面,对保险资金运用的相关问题进行了深入探讨。
Asset liability matching management is always the core content of insurance funds utilization. Insurance funds investment has a direct impact on the insurer＇s profitability, competitiveness, underwriting capacity and sol- vency margin. Insurance funds investment by Chinese insurers is not adequate in the areas of asset liability manage- ment, allocation structure, investment yields, and insurance regulation, etc. The industry may run the risk of fund shortfall for claims and benefit payment if these problems are not remedied. The paper elaborated on topics relevant to insurance funds investment from the four aspects of fundamental theories on insurance funds investment and asset liability management, international experiences, current situations and problems of insurance funds investment in China and policy suggestions.
出处
《保险研究》
CSSCI
北大核心
2009年第9期16-27,共12页
Insurance Studies
基金
国家社会科学基金重大项目<落实科学发展观
实现金融体系现代化>(07&ZD013)
重点项目<现代商业保险规范发展与金融稳定关系的综合研究>(07AJY009)
青年项目<我国保险业核心竞争力评价与提升研究>(08CJY066)的资助
关键词
保险资金运用
资产管理
策略研究
insurance funds investment
asset management
strategy research
