论我国保险资金的运用及对策

保险业作为服务于社会生产和生活的第三产业 ,以组织后备资金形式为国民经济的发展提供风险保障。虽然中国保险业资金运用方面存在着保险资金运用渠道较窄、保险公司资产面临较高利率风险、保险资金运用中短期行为严重等问题 ,在很大程度上与当今中国保险市场发展实践和保险业经营运作趋势不适应 ,但可以通过修改《保险法》 ,提高资金运用收益率以明确资金运用方式、范围 ;通过建立专业化资金运用体系 ,提高专业化经营水平和风险监督机制 ;为保险资金运用拓宽渠道 ,提高资金运用的安全性。

On the Application of Insurance Fund and Its Countermeasures in Our Country

Insurance industry, as a tertiary industry in the service of social production and life, supports national economy with the form of collecting backup funds. In current insurance industry of China, there exist many serious problems: narrow channels for fund application, risks of high interest rate in company assets, and prevailing middle or short-term actions in application, which do not adapt to the development of current insurance market and the trend in the operation of insurance industry to a large extent. To these problems, this paper suggests some measures: amending Insurance Law, increasing the earning rate of fund to clarify the way and scope of fund use, improving specialized management and mechanism of risk control by establishing special system of fund operations, and widening the channels for fund movement to raising its security.