摘要
保险资产管理是保险业"承保+投资"双轮驱动的引擎,行业地位和作用日益突出。我国保险资金运用规模快速增长,但仍然存在资产负债不匹配、投资结构不合理、收益水平低下、竞争日益激烈等问题,行业发展面临新的机遇和挑战。论文总结了我国险资管理行业发展状况,分析了目前存在的主要问题及原因,并在提高监管效率、优化市场环境和增强公司竞争力等方面,提出了新形势下推进行业创新发展的对策建议。
Insurance asset management played an important role in ＂underwriting and investment＂ . However, the insurance asset management in China suffers from various problems, such as the mismatch of assets and liabilities, the unreasonable investment structure, the low level of profitability and the increasingly intense competition. The development of insurance asset management faces new opportunities and challenges. This paper summarizes the development status of insurance asset management in China, analyzes the current situation, and puts forward policy suggestions from the efficiency of supervision, market environment and competitiveness of a company, which studies and explores the development model of insurance asset management innovation.
出处
《科学决策》
CSSCI
2014年第10期50-65,共16页
Scientific Decision Making
关键词
保险资产管理
保险资金运用
保险投资监管
insurance asset management
use of insurance funds
regulation implication
