浅析中国人寿承保和投资的现实选择

保险公司承保和保险资金运用是推动公司发展的"两个轮子",承保利润和投资收益是保险公司利润的主要来源。然而,通过资金运用获得投资收益来弥补直接承保业务的亏损是寿险经营的普遍现象。但在当前世界经济形势趋弱和资本市场低迷的情况下,保险公司资金运用受到严峻挑战。中国人寿作为国内规模最大的寿险公司,必须在承保和投资之间进行理性抉择,确保"两个轮子"协调运转,才能带动和实现整个保险业的健康可持续发展。

Insurance underwriting and the use of insurance funds are ＂two wheels＂ of promoting the development of insurance companies. Underwriting profit and investment income are the main sources of profit of the insurance companies. However,it is a common practice for life insurance operation to make up for the underwriting loss , through the utilization of capital investment income. But under the current downward trend of world economic situation and the weakening of the capital market, the use of insurance funds is facing with severe challenges. China Life Insurance, as the largest domestic life insurance company must be rational in the choice between underwriting profit and investment income on the rational choice to ensure that the ＂two wheels＂ can work coordinately, in order to bring about and realize the sound and sustainable development of the whole insurance industry.