中国流通经济
中國流通經濟
중국류통경제
China Business and Market
2015年
4期
118~124
,共null页
保险业 保险资金运用 金融安全 资金运用安全
保險業 保險資金運用 金融安全 資金運用安全
보험업 보험자금운용 금융안전 자금운용안전
insurance industry; the use of insurance funds; financial safety; the safety in the use of capital
新中国成立以来，我国保险产业经历了一个曲折的发展过程，形成了颇具中国特色且符合我国发展实际的保险产业。在此期间，我国保险产业资金运用也经历了一个由无到有、由小到大逐步发展的过程，目前保险资金运用已经逐渐成为保险公司主要的利润来源。资本市场与保险市场之间建立了一种关联、互动与共赢的关系，保险资金在资本市场中具有举足轻重的地位。综观我国保险产业几十年来的发展历程，尽管其在资金运用与监管上取得了一定的成绩，但仍然存在一些不容忽视的问题。当前及今后一段时间内，面对金融领域资产债务增加、宏观经济与金融领域日益复杂的竞争形势，保险资金运用将变得更加困难。为做好保险资金运用工作，必须在综合考虑资金使用制度、产业发展存在问题、宏观经济与金融以及其他风险因素基础上，一方面着眼于风险预防，努力扩大资金使用范围；另一方面始终进行专业化管理，走改革创新之路。
新中國成立以來，我國保險產業經歷瞭一箇麯摺的髮展過程，形成瞭頗具中國特色且符閤我國髮展實際的保險產業。在此期間，我國保險產業資金運用也經歷瞭一箇由無到有、由小到大逐步髮展的過程，目前保險資金運用已經逐漸成為保險公司主要的利潤來源。資本市場與保險市場之間建立瞭一種關聯、互動與共贏的關繫，保險資金在資本市場中具有舉足輕重的地位。綜觀我國保險產業幾十年來的髮展歷程，儘管其在資金運用與鑑管上取得瞭一定的成績，但仍然存在一些不容忽視的問題。噹前及今後一段時間內，麵對金融領域資產債務增加、宏觀經濟與金融領域日益複雜的競爭形勢，保險資金運用將變得更加睏難。為做好保險資金運用工作，必鬚在綜閤攷慮資金使用製度、產業髮展存在問題、宏觀經濟與金融以及其他風險因素基礎上，一方麵著眼于風險預防，努力擴大資金使用範圍；另一方麵始終進行專業化管理，走改革創新之路。
신중국성립이래，아국보험산업경력료일개곡절적발전과정，형성료파구중국특색차부합아국발전실제적보험산업。재차기간，아국보험산업자금운용야경력료일개유무도유、유소도대축보발전적과정，목전보험자금운용이경축점성위보험공사주요적리윤래원。자본시장여보험시장지간건립료일충관련、호동여공영적관계，보험자금재자본시장중구유거족경중적지위。종관아국보험산업궤십년래적발전역정，진관기재자금운용여감관상취득료일정적성적，단잉연존재일사불용홀시적문제。당전급금후일단시간내，면대금융영역자산채무증가、굉관경제여금융영역일익복잡적경쟁형세，보험자금운용장변득경가곤난。위주호보험자금운용공작，필수재종합고필자금사용제도、산업발전존재문제、굉관경제여금융이급기타풍험인소기출상，일방면착안우풍험예방，노력확대자금사용범위；령일방면시종진행전업화관리，주개혁창신지로。
Since the establishment of new China, the insurance industry has experienced a tortuous process, and formed an insurance industry suitable to the reality of China. During that period of time, the use of fund in this industry also has experienced the process of gradually development. At present, the use of insurance fund has become one of the main profit sources of insurance companies. The relation between capital market and insurance market are correlative and interactive, and they are both in the win-win situation. So, insurance fund is very critical in the capital market. From the history of China’s insurance industry, though we have made some achievements in the use and supervision of fund, there are still some problems we cannot neglect. At present and in the near future, facing the increased debt and the increasingly complicated competition in macro economic and financial areas, the use of insurance fund will getting more difficult. To do a better job in the use of insurance fund, based on the consideration of related regulation, the problems with industrial development, and risk in macro economic and financial areas, on one hand, we should pay more attention to risk prevention and expand the usable range of fund;on the other hand, we should always develop with the help of specified management, reform and innovation.
