保险资金运用制度的立法思考

保险公司可运用的保险资金包括资本金、保险准备金、保险保障基金和投资理财型产品中内含的代客投资基金。为了保障资金运用中“安全性、流动性、收益性”三大原则的充分协调 ,必须对保险资金运用行为进行规范 ,具体包括三项制度 :一是坚持对寿险和非寿险、资产管理性资金与传统保险基金各自的资金运用行为进行区分的制度 ;二是对保险资金的运用范围及其在类别和单项运用中的比例进行限制的制度 ,其中最为关键的是如何对证券市场投资的准入及比例进行限制 ;三是坚持在投资中资产与负债相匹配的制度。

Legislation Thought for the System of Utilizing Insurance Fund

The insurance fund which can be utilized in insurance company includes capital fund, preparing fund, guaranteeing fund and investing fund as agent existing in investment products. In order to guarantee and harmonize the three principles-security, mobility and income of utilizing insurance fund, we must stipulate the behavior of utilizing insurance fund,which includes three concrete systems:first, insisting on distinguishing the system of insurance against person from insurance against property,the behavior of utilizing property management fund from traditional insurance fund;second, restricting the scope,the classification and the ratio of utilizing insurance fund in one item;third, insisting on the system of mating property and debt.