具有投资功能的保单与开放式基金的比较分析

The Comparative Analysis of the Investment Policy and the Open-end Fund

具有投资功能的保单与开放式基金是两种不同的金融产品 ,但在投资功能上有相似性。对两者在投资运作、投资风险、流动性及其管理方面的比较分析表明 :保监会与证监会应联合实施对具有投资功能的保险产品的监管 ,保险公司和基金业应充分利用二者之间的良性互动关系 ,促进保险业与投资基金的健康发展 ,而投资者则应根据自己的投资取向选择投资产品。

As financial product, the investment policy is different from open-end fund. But they are similar in investment function. Through the comparative analysis in investment operating, investment risk, liquidity management and their mutual relationship, the author suggests that the investment policy should be regulated together by CSRS (China Securities Regulatory Commission) and CIRC (China Insurance Regulatory Commission), the insurance companies and the fund companies should make use of mutual benefit to promote their development, and the investor should choose investment products according to their preference.