金融理论与实践
金融理論與實踐
금융이론여실천
Financial Theory and Practice
2006年
1期
66~68
,共null页
保险资金 资本市场 风险管理 监管机制
保險資金 資本市場 風險管理 鑑管機製
보험자금 자본시장 풍험관리 감관궤제
insurance fund; caoital market; risk management; regulatory mechanism
保险资金进入资本市场,以多种方式投资于证券业务,是保险业自身经营发展的需要,也是增强我国保险业的盈利性和竞争力的需要。保险资金入市在给保险公司带来高收益的同时,必然伴随着高风险。无论是保险公司还是监管部门,建立有效的风险控制和监管机制,加强投资风险防范,保障资金安全都是十分必要的。
保險資金進入資本市場,以多種方式投資于證券業務,是保險業自身經營髮展的需要,也是增彊我國保險業的盈利性和競爭力的需要。保險資金入市在給保險公司帶來高收益的同時,必然伴隨著高風險。無論是保險公司還是鑑管部門,建立有效的風險控製和鑑管機製,加彊投資風險防範,保障資金安全都是十分必要的。
보험자금진입자본시장,이다충방식투자우증권업무,시보험업자신경영발전적수요,야시증강아국보험업적영리성화경쟁력적수요。보험자금입시재급보험공사대래고수익적동시,필연반수착고풍험。무론시보험공사환시감관부문,건립유효적풍험공제화감관궤제,가강투자풍험방범,보장자금안전도시십분필요적。
Insurance fund access to capital market and investment in security business through diversified ways is not only the requirement for insurance industry's own development but also the requirement for its enhancement of profit-making competence and competitiveness. Insurance fund's access to capital market is bound to give rise to a high risk while bringing about great benefit to insurance corporations. In view of this, it is imperative for either insurance corporations or regulatory institutions to ensure the safety of fund by building up the effective risk control and regulation system and intensifying the prevention of investment risk.