保险资金投资股市的利益与风险控制

The interest and risk control caused by insurance fundinvested in the share market

我国多次降息,使保单预定利率高于银行利率,保险公司的偿付能力受到严重影响。拓宽保险资金的运用渠道,实现保值增值成为迫切需要。由于国债市场和其他债券规模太小,无法吸纳庞大的保险资金,保险资金投资股市成为重要的投资选择。保险资金的首要特性是安全性,应通过建立健全我国上市公司、保险公司和基金管理公司法人治理结构,加大我国资本市场建设和金融创新的力度,充分发挥监管部门作用等根本性的措施来防范和控制保险资金投资股市的风险。

s: Bank interest has been reduced for several times in our country, which makes the policy's expected interest higher than bank interest, so that insurance company's compensating ability has been badly affected. It is urgently necessary to widen the application channel of the insurance fund and increase the insurance value. Because the scale of the national bonds market and other bonds is too small to attract large insurance fund, insurance fund investing in the share market has become the important investing choice. The primary feature of the insurance fund is its security. So we should take measures to defend and control the risk of insurance fund investing in the market by establishing and bettering legal man's fathering structure of marketing companies, insurance and fund management companies in our country, enlarging our country's capital market building and finance creativity, and fully exerting the supervising department's function.