“资产驱动负债”模式研究——以安邦保险集团为例

21世纪以来,我国保险业迎来了飞速发展时期,保险资金的规模不断增大,其运作模式也在随之创新。"资产驱动负债"的保险资金运作模式,使得一些新兴保险公司在激烈的行业竞争中脱颖而出,但同时也为保险行业带来了诸多隐患。因此,本文以安邦保险集团为例,阐述了其"资产驱动负债"模式的发展历程,分析了该模式的利弊,并基于保险保障的角度为保险行业的健康发展提出了相关建议。

Since the 21st century, China＇s insurance industry has ushered in the rapid development period the scale of insurance funds continue to increase as well as its model of operation is also inno- vative. The mode of ＂asset--driven liabilities＂ has made some emerging insurance companies come to the fore in the fierce competition, but also brought a lot of hidden dangers. In this case, based on Anbang Insurance Group,we illustrate the development process of its ＂asset--driven liability＂ mode, analyze the pro and cons of the mode, and make suggestions on the sound development of the insurance industry based on the essence of insurance.