我国保险资金运用刍议

近年来,我国保险业持续快速发展,但保费收入的快速增长和保险资金运用的低收益率之间矛盾始终存在。与国外保险资金相比,我国保险业在资金运用方面存在渠道窄、匹配弱、结构差等差距。提高我国保险资金运用水平的对策:围绕经济金融体制改革深化的主线,加大保险资金行业渗透度和社会影响力;契合保险行业开放度增加的趋势,加大保险资金运用的探索和研究;优化保险资产组合,弱化宏观的经济周期波动影响,建立保险资金运用预警机制,防范系统性风险。

China＇s insurance industry has maintained a.strong growth in recent years,but the contradiction between fast premium growth and low investment return of insurance funds still exists. Comparing with foreign insurance funds investment, Chinese insurance funds are invested in limited channels with inappropriate portfolio structure and weak asset liability matching. Measures we can take to improve insurance funds utilization are： strengthen the sectoral penetration and social impact of insurance funds along with the progress of economic and financial reform, enhance insurance fund usage research and exploration along with the broadening of investment channels, optimize insurance funds allocation to reduce the impact of economic cycle, and set up risk warning system for insurance fund investment to guard against systematic risks.