美国保险资产管理经验借鉴

On Assets Management of American Insurance Business

美国险资管理行业监管体系严密、经营机制完善、投资渠道灵活、资产收益稳定,其成熟的运营模式能够为我国险资管理行业创新发展提供有益借鉴。本文全面考察了美国保险业的资产配置、投资政策、资金收益和监管特点,分析总结了其经验教训对我国险资管理行业发展的启示,并提出了相关的政策建议。

Fhe insurance asset management in US has strict regulatory system, sound operating mechanism, flexible investment channels and stable asset return, which provides a valuable reference for the insurance asset management development in China. This paper conducts comprehensive study on the asset allocation, investment policy, capital return and regulatory characteristics of US insurance industry. Besides, the author analyzes and summarizes the US experience and its enlightenment for the insurance asset management development in China, as well as puts forward some relevanl policy suggestions.