我国保险资金的运用渠道及其风险管理

保险资金运用渠道如何拓宽,以及如何建立保险资金投资风险管理体系,一直是我国保险理论界和实务部门研究和关注的热点问题。随着我国保险业的迅速发展和保险业总资产的快速增长,保险资金的运用已经成为保险公司稳定发展的关键性因素,而其核心问题是保险资金运用风险的管理。因此,本文对目前我国保险资金可能选择的主要运用渠道进行了风险分析,并提出了一些加强我国保险资金运用风险管理的对策。

Investment Channels of China's Insurance Fund and Its Risk Management

How to broaden the insurance fund investment channels and how to constitute a system of its investment risk management has been hotspots heatedly discussed by researchers and practitioners.With the rapid growth of insurance industry and its total assets,the insurance fund investment becomes a key factor in the steady development of insurance company,and the management of insurance fund investment risk is a core problem.Therefore,the paper analyzes the risk of insurance funds' major investment channels in current market of china,and puts forward some countermeasures to strengthen the risk management of insurance fund investment.