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摘要：随着金融市场的不断完善，越来越多的人将目光聚集到保险行业的发展上来。有效的资金运用是现代保险业的支柱，对保险资金运用问题的研究主要通过对资金运用渠道的分析展开。保险业的蓬勃发展为保险资金的运用提供了充足的资金来源;投资环境的日益改善及政策限制的不断放宽,给保险资金运用提供了有利的发展条件。由于我国保险经营的理念比较陈旧,之前的监管也较严格,我国的保险资金运用和发达国家比起来还有很大的差距,主要存在着投资效益低、保险资金运用渠道狭窄、资金运用结构不合理、资金管理模式落后等问题。同时,随着我国保险资金投资规模的扩大,保险资金投资的风险也开始凸显。37491
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本文先研究了保险资金运用的相关理论，通过与保险业较发达的国家进行比较，具体以中国人寿保险公司为例，结合国家最近出台的政策，分析我国保险资金运用过程中存在的问题，提出要积极拓宽投资渠道，完善投资运行机制，建全风险控制制度，提高保险资金的收益率。
毕业论文关键词：保险资金 运用渠道 中国人寿 政策建议
Analysis on Chinese Insurance Funds Investment Channels
Abstract: With the continuous improvement of the financial market, more and more people pay attention to the development of the insurance industry. Effective capital operation is the pillar of modern insurance industry, and the research of application of insurance funds mainly through the analysis of the channel of capital operation. At present, the booming development of insurance provides adequate financial resources for the use of insurance funds; Policy has little limits on use of insurance funds, which makes investment environment become better. All these changes have brought good development opportunities to the investment of insurance funds. Because of old insurance business concepts and the strict regulations , insurance has a large gap between developed countries and ours. What’s more, the low investment benefit, the narrow investment channels, unreasonable structure and the backward capital management all have big impacts on it. At the same time, along with the expansion of investment of insurance funds in China, the risk of investment of insurance funds are also beginning to be highlighted.
Firstly, this paper studies the use of insurance funds , analyzes the channels of insurance funds, and compares the differences in the international insurance industry with the developed countries. Besides, in order to improve the yield, this paper takes China life insurance company as an example, combined with the recent national policies , to put forward suggestions on how to broaden the investment channels actively, and to improve the operating mechanism of investment to establish risk control system.
Key Words:Insurance funds, Investment channels,China Life Insurance Company,Suggestions
目 录
一、绪论 - 1 -
（一）研究背景 - 1 -
（二）国内外研究现状 - 2 -
二、保险资金运用概述 - 4 -
（一）保险资金运用渠道相关概念 - 4 -
（二）我国保险资金运用渠道的发展阶段 - 5 -
（三）政府监管下的保险资金运用渠道分析 - 6 -
（四）我国保险资金运用情况及国际比较分析 - 8 -
三、我国保险公司资金运用渠道分析——以中国人寿保险公司为例 - 12 -
（一）中国人寿当前运营状况 - 12 -
（二）中国人寿保险资金来源 - 13 -
（三）中国人寿保险公司资金运用渠道、结构及收益情况分析 - 13 -