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近年来 ,我国保险资金运用业务有了较大的改观 ,但保险资金运用的专业化程度不高仍是制约我国保险业发展的关键问题。目前 ,国际保险业的资金运用模式大体分为三种 :即外部委托投资、公司内设投资部门和设立专业化保险资产管理机构。建立专业化保险资产管理机构是实现我国保险业健康发展的根本大计 ,其有利于专业化投资队伍的建设 ,有利于培育保险资金运用的核心竞争力 ,有利于增强保险公司的风险管控能力 ,有利于提高保险资产管理的监管水平。
In recent years, the use of insurance funds in our country has made a great improvement. However, the low level of specialization in the use of insurance funds is still the key issue that restricts the development of China’s insurance industry. At present, the international insurance industry funds are generally divided into three modes: the external entrusted investment, the company has set up investment departments and the establishment of specialized insurance asset management agencies. Establishing a specialized insurance asset management institution is the fundamental plan for realizing the healthy development of China’s insurance industry. It is conducive to the construction of a specialized investment team, is conducive to nurturing the core competitiveness of the use of insurance funds and is conducive to enhancing the risk control ability of insurance companies. Help to improve the regulatory level of insurance asset management.