我国保险资金另类投资的创新研究

nnovative Research on Alternative Investment of Insurance Funds in China

保险资金运用是现代保险业生存和发展的重要支柱，是保险公司利润的主要来源，对保险公司偿付能力有重大影响。随着保险资金投资新政的陆续颁布，保险投资领域不断拓宽，保险资金运用压力也在不断地增大。本文分析了我国保险资金的投资概况，并提出保险资金另类投资对保险资金的创新研究。进一步说明了在保险资金运用中保险资金另类投资对保险行业发展的重要意义。

The use of insurance funds is an important pillar of the survival and development of modern insurance industry. It is the main source of profit of insurance companies and has a great influence on the solvency of insurance companies. With the insurance funds to invest in the New Deal promulgated, insurance investment areas continue to widen, the use of insurance funds pressure is also increasing. This paper analyzes the investment situation of insurance funds in China, and puts forward the innovation research on the insurance funds of alternative insurance funds, and further explains the importance of the altemative investment of insurance funds in the development of insurance industry in the use of insurance funds.