我国寿险资金运用存在的问题与对策研究
寿险资金投资收益是寿险公司利润收入的主要来源之一，是保险机构经营的主要业务，如何利用自有资金进行投资，应当同扩大承保业务并驾齐驱，成为保险公司谋求发展的关键。近年来，我国保监会正逐步减少对保险资金运用的渠道束缚，让寿险公司有相对较为广阔的投空间。保险机构在经营资金获得利润的同时也让保险公司面临着风险。在我国金融业对外开放的今天，保险业面临外资企业带来的竞争压力，如何在复杂的市场中，不断发展壮大，提高投资能力，投资效率就变得尤为重要。本文将从我国寿险资金运用情况出发，从我国寿险资金运用的政策变迁，资金运用的结构，及同美国和日本寿险资金投资相比，发现我国寿险资金在运用过程中存在的问题，并且结合国外先进的资金运用经验，提出值得我国借鉴的经验。
毕业论文关键词：资金运用 政策演进 资金流向 国际经验
Study on the Problems and Countermeasures of the Use of Life Insurance Funds in China
Abstract: the rapid development of China's economy is remarkable, with the strong development of the national economy, China's life insurance industry also showed a booming vitality, regardless of the growth of its business, or is to enhance the quality, the insurance industry reflects the development of the attitude of optimism, occupy a space for one person in China's national economy.
The life insurance fund investment income as one of the main sources of income of the insurance company, should be the focus of attention of the insurance company, how to make use of life insurance funds investment, should expand the underwriting insurance company has become the key racing together bridle to bridle, seek development. In recent years, China Insurance Regulatory Commission is to gradually open up the channels for the use of funds of an insurance company, life insurance companies have relatively broad investment space, the use of funds to bring a certain profit for the insurance company, but also let the insurance companies face the risk of. In China's financial opening today, China's insurance industry faces the competition from the foreign-funded enterprises, how in the complex market, continue to grow and develop, improve the ability of investment, investment efficiency is very important. This paper from the perspective of China's use of insurance funds, the use of insurance funds in China from the evolution of the policy, the scale of the use of funds, and compared with USA life insurance fund investment income, China Life Insurance Funds in the use of process problems, and the combination of capital with foreign advanced experience, put forward worthy of our reference experience.
Key Words: use of insurance capital policy promotion capital flows international experience
目 录
一、引言 - 1 -
（一）研究背景和意义 - 1 -
（二）文献综述 - 2 -
二、保险资金运用的相关理论 - 3 -
（一）保险资金的来源和性质 - 3 -
（二）保险资金运用的重要性 - 4 -
（三）保险资金运用的三性原则 - 4 -
三、我国保险资金运用的概况 - 5 -
（一）我国保险行业发展的阶段分析 - 5 -
（二）我国保险资金运用的政策变化 - 6 -
（三）我国保险资金流向 - 7 -
（四）保险资金运用的规模 - 9 -
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