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对我国现阶段保险投资监管的思考 被引量:2

A Reflection on the Current Supervision of Insurance Investment in China
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摘要 我国目前正处于市场经济转轨时期,金融市场发育不够健全,存在诸多不足,因而保险公司在运用保险资金时就要面临较大的风险。保险投资的监管部门为了维护保户的利益,将监管模式建立在稳定性目标之上,对保险投资监管限制较严。这样,虽然保险企业的稳定性得到了保证,但严格限制投资范围无疑会导致资金运用的低效率。随着保险业的逐步开放及竞争的白热化,盈利较低的国内保险公司在行业竞争中处于极为不利的地位。为了适应保险市场开放的需要,保险投资监管机构有必要重新权衡利弊,兼顾公平与效益的双重目标,为国内保险业健康发展提供有利的客观条件,从而实现我国保险投资发展的最终目标。通过对海外发达国家近年来保险投资的分析、研究,并结合我国的现状,对保险投资监管部门发挥其职能的问题进行了研究,并提出一些具体的建议。 Now being in the transitional period to market economy, the financial market in our country is not sound enough to avoid some drawbacks. Many insurance companies have to take risks when using the insurance funds. To safeguard the interests of tbe insurants, the insurance-supervising office builds up goals on stability and strictly supervises the investment. Though it is good for insurance company in terms of stability, tbe strict restriction is sure to result iu the low efficiency of funds. However, with the further opening-up and the fierce competition in tbe insurance industry, some profit-low domestic companies find themselves in an uufavorable position. So in order to adapt to the situation, it is necessary for the supervisors to weigh the advantages and disadvantages again, to balance the fairness and benefits so as to better the objective conditions for the healthy development of domestic insurance and finally reach the ultimate goals. After a careful study of the highly- developed iusurance compauies overseas and the present situation at home, this paper puts forward some suggestions on how to bring the functions of insurance-supervising office into play.
作者 李瑞南
出处 《洛阳理工学院学报(社会科学版)》 2008年第1期55-60,共6页 Journal of Luoyang Institute of Science and Technology:Social Science Edition
关键词 保险投资 保险投资监管 盈利性 阶段性 insurance investment supervision of insurance investment profitability periodically
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