保险资金运用的国际比较与启示

随着我国保险业的迅速发展,可运用的保险资金的总规模在不断扩大,保险资金的运用越来越成为保险业获取收益、支持自身发展的一个重要手段。在实践中,各国实际的保险资金运用经验各有不同,在资本市场上的表现也不尽相同。本文比较了以直接融资为主的金融体系以及以间接融资为主的金融体系间保险资金运用的状况,总结经验以为我国保险资金的运用提供有益的借鉴。

With the rapid development of China＇s insurance industry, the volume of insurance funds has been increasing significantly for years. Accordingly, the investment of insurance funds has long been the focus for both the academia and the insurance industry. Investment of insurance funds is one of the most important measures for the insurance company to gain profits and sustain its further development. This article performs a comparison between the insurance investment pattern in a financial system dominated by direct financing and that in a financial system dominated by indirect financing based on an examination and analysis of international experience. Experience and lessons are summarized for reference for China＇s insurance industry.