我国保险资金运用渠道与策略分析.pdf

文档介绍：2008年第11期改革与战略 ,2008
第24卷(总第183期) REFORMATION & STRATEGY (Cumulatively,)
我国保险资金运用渠道与策略分析
金融财税研究
张祖荣,徐伟强
(广东商学院经济学院,广东广州 510320)
[摘要] 近年来,我国保险资金运用渠道逐渐拓宽,多元化资产配置已成为可能。文章首先分析了我国现有保险资金运用渠道
及其风险,进而研究了我国保险资金运用策略。在目前情况下,要提高保险资金运用效率,实现保险资金的保值增值,必须优化资
产结构,实现资产负债匹配;有效实施投资组合策略并适度转移投资风险;加强公司内部控制,提高保险投资决策水平。
F [关键词] 资金运用;风险;策略
I
N [中图分类号] F84 [文献标识码] A [文章编号] 1002-736X(2008)11-0098-03
A
N
C
I On Channels and Strategies of the Use of Insurance Funds in China
A
L Zhang Zurong, Xu Weiqiang
A (College of Finance, Guangdong University of Business Studies, Guangzhou, Guangdong 510320)
N
D
R Abstract: In recent years, with the gradual widening channel of insurance fund usage in China, multi-resources allocation has
E e available. This paper primarily analyzes the present channel of insurance fund usage and its risks, and further researches the
V
E strategies of the usage of insurance fund in China. At present situation, in order to realize the maintaining and increasing value of
N insurance fund, prioritizing fund fabric must be done and fund balance allocation have to be realized, position effectively
U
E have to be carried out with shifting investment risks, corporate inner control have to be enforced and strategies of insurance investment
R have to be improved.
E Key words: the use of insurance funds; risks; strategies
S
E
A
R 能增强保险公司的偿付能力,提高保