摘要
随着保险业发展速度的加快,保险投资资金的不断增多,使保险资金境外投资逐步成为国内保险机构扩展投资领域、提高保险资金投资收益的重要途径。但与境外投资高收益相伴的是不容忽视的高风险,2008年下半年以来,随着美国次级债风波演变为百年难遇的全球性金融危机,国际金融形势风云突变,对外投资形势日趋严峻,我国保险资金对外投资面临着严峻的风险。本文通过对当前我国保险业保险资金境外投资面临的风险分析,采取理论与案例相结合的方式,从保险监管方式、内部风险控制、资产负债匹配、投资比例限制及投资人才储备等方面提出我国保险资金境外投资风险的具体策略和措施。
The size of insurance funds keeps growing along with rapid development of the insurance industry. Overseas investment gradually becomes an important investment channel for insurers in order to increase investment return. However, high return is accompanied by high risk in overseas investment. In the second half of 2008, as the subprime issue in the United States escalated into a global financial crisis, the international financial system experienced a dramatic change, and the insurance funds are facing with a grave situation in overseas investment. This paper used both theoretical analysis and case study to analyze risks in overseas investment for China＇s insurance industry. It also proposed on specific measures to be taken in terms of regulation methods, internal risk control, asset liability matching, investment percentage limits and investment professional recruiting to managing overseas investment risks.
出处
《保险研究》
CSSCI
北大核心
2009年第1期91-95,共5页
Insurance Studies
关键词
境外投资
风险防范
投资收益
overseas investment
risk prevention
investment returns
