文档介绍：金融结构调整中的保险效应分析
内容摘要]研究发现,现行投融资格局造成货币性资产主导,风险向银行集中;储蓄存款非均衡分布制约了对保险等非货币性金融资产的需求;。本文在分析我国金融结构变迁历史、存在问题与原因,中的地位与作用后,提出了加深保险业对金融市场的参与度,促进保险与货币市场、资本市场协调发展,构建以保险集团为主的跨业策略联盟等政策建议。
[ 关键词]金融结构;保险;非货币性资产
Abstract: Recent studies found that: first, present financial structure makes the ary assets possess the disproportionate large quotient and banking industry undertakes high excess risks; second, disequilibrium distribution of savings hinders the progress of non-ary assets such as insurance; third, sub-developed capital market and adjustment of credit demand leads to the mismatching ofboth insurance and banking industry assets and liability. This paper focuses on the existing dilemmas, history of financial structure transition and experience of developed countries, and then resolves to the solutions including deepening the participation of insurance industry with financial markets, establishments of trans-industry strategic partnership led by insurance panies to promote co-operation among insurance, capital market and ary market.
Key words:financial structure; insurance; non-ary assets
一、引言
在金融发展过程中,总量增长和结构协调同等重要展理论认为:一个优化协调的金融结构可以成本和投资风险,提高储蓄投资转化效率,金融结构是影响金融发展和经济增长的重要。目前国外对金融结构的研究主要有两大类较有影响的观点:第一类是以金融结构概念的提出者戈登史密斯(Raymond W. Goldsmith)为代表的金融结构观。该类观点认为“一国现存的金融工具与金融机构之和构成该国的金融结构,并包括www .ddd tt. com不同类型金融工具与金融机构的性质、规模和特征等。金融结构还会随着时间的推移而改变”。①第二类是当前流行的“两分法”观。该类观点将一国金融体系划分为两类: