保险资金运用全面风险管理——基于机制建设的角度

Comprehensive risk management on insurance funds investment ——In the perspective og system building

保险资金运用对保险公司稳健经营具有支柱性作用。为保障实现保险公司经营目标,应充分研究保险资金特性,分析投资资产风险和内部管理风险,建立有效的总体风险管理制度、实施有力的风险具体控制措施。在当前风险管理现实条件下,科学投资决策和运作架构,强化交易流程控制和风险防范监测,完善激励约束机制,以持续推进保险资金运用全面风险管理具有较强的实践意义。

Insurance funds investment is of predominant importance to steady operation of insurance companies. We should fully study characteristics of insurance funds, analyze investment risks and internal management risk, and establish an effective comprehensive risk management system that can control various risks. Under the current situation of risk management, scientific decision-making and operational framework can strengthen controls on trading process and monitor risks. We should also improve on the incentive compensation mechanism to ensure the practical significance of a comprehensive risk management system for insurance funds investment.