基于新政策的保险资金发展研究

Study on the Development of Insurance Funds based on the New Policy

本文认为,在证券和银行业加速创新的背景下,保险资金运用行业监管过严,面临发展限制。保险资金运用新政策的出台拓宽了资金运用渠道,打破了保险资管理行业壁垒,明确市场化监管思路,增加市场的主动性。保险公司要明确业务定位,提高投资能力,分享改革红利,监管机构要转变监管模式,提升监管能力,严格偿付能力监管和加强资产负债匹配监管。

With the speedy innovation of securities industry and banking,the development of insurance industry was blocked,because of the strict supervision on insurance investment.The New Policy broadened insurance investment channels,broken the barrier between insurance and other finance industry,defined the market-oriented supervision.In order to implement the New Policy deeply,on the one hand,insurance companies should located their investment business scientifically,improve investment ability,share the bonus of innovation,on the other hand,the regulator should transfer its supervision model,improve supervision ability,implement solvency supervision strictly and reinforce asset and liability management.