保险公司上市及机构间的融合探讨

保险业的快速发展与保险资金有限的运用渠道之间的矛盾,抑制了保险资金融通功能的有效发挥。承保和资金运用并称为保险公司两大业务支柱,其中资金运用业务已经取代承保业务而成为保险业的主要收益来源。大量的保险资金只有通过资金运用才能保值增值,才能确保未来的偿付能力充足,这是由保险经营的特殊性决定的。保险公司上市及机构间的融合,为保险公司丰富现有资金运用手段,扩大未来融资渠道扮演着不可或缺的作用。

The conflict between the rapid development of the insurance industry and the limited investment choices of the insurance capital restrain the insurance capital from circulating effectively in China. Underwriting and capital investment are nowadays two important kinds of businesses for the insurance company, while capital investment is becoming the more essential profit source compared with underwriting. Only by means of capital investment, the value of the insurance capital can only be maintained or boosted and the prospective solvency adequacy of insurance companies can be guaranteed. The initial public offerings of insurance companies and the institutional integrations will be critical to heighten the capital investment instruments and broaden the scope of finance.