构建科学高效的寿险资金运用风险管理体系

Establishing a Scientific and Efficient Risk Management System for Life Insurance Funds Investment

在当前复杂多变的市场环境中，寿险资金运用面临着多种风险。因此，加强资金运用的风险管理，提高风险管理水平和管理能力非常重要。本文从风险管理和投资管理的关系出发，论述了寿险资金运用面临的主要风险、风险管理要考虑的主要问题以及如何构建一个完善的风险管理体系；指出完善的风险管理体系应建立一个拥有先进技术手段的控制体系以及高效的组织架构和运行机制；在实施风险管理时要处理好投资效率与风险管理之间的关系，并指出创新和发展是解决风险管理新问题的有效途径。

In today＇s complicated market environment, investment of insurance funds is facing with multiple risks. Therefore, strengthening risk management of investment and improving risk management level and capability is highly necessary. This article proceeds from the relationship between risk management and investment management and addresses on the major risks in investing insurance funds, main issues to be considered in corresponding risk management and how to build up a complete risk management system. It points out that a complete risk management system should have a system based on advanced technology and an efficient organizational structure and operational mechanism. Furthermore, the relationship between risk management and investment efficiency should be considered on conducting risk management. Finally, innovation and development are effective routes to solve new risk management problems.