我国保险资金运用渠道与策略分析

On Channels and Strategies of the Use of Insurance Funds in China

近年来,我国保险资金运用渠道逐渐拓宽,多元化资产配置已成为可能。文章首先分析了我国现有保险资金运用渠道及其风险,进而研究了我国保险资金运用策略。在目前情况下,要提高保险资金运用效率,实现保险资金的保值增值,必须优化资产结构,实现资产负债匹配;有效实施投资组合策略并适度转移投资风险;加强公司内部控制,提高保险投资决策水平。

In recent years, with the gradual widening channel of insurance fund usage in China, multi-resources allocation has become available. This paper primarily analyzes the present channel of insurance fund usage and its risks, and further researches the strategies of the usage of insurance fund in China. At present situation, in order to realize the maintaining and increasing value of insurance fund, prioritizing fired fabric must be done and fund balance allocation have to be realized, investment composition effectively have to be carried out with shifting investment risks, corporate inner control have to be enforced and strategies of insurance investment have to be improved.