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保险资金运用风险管理是保险企业经营的重中之重。当前我国保险资金运用结构不尽合理,与保险资金运用相匹配的资产负债风险管理体系不尽合理,保险企业信用评级机制仍未完善,保险资金运用内部管理体制仍需进一步完善。针对目前保险资金运用的现状及问题,应建立分层的风险管理体制,通过宏观政府监管、中观信用评级制度完善以及微观内部风险管理机制优化三个层面来加强保险资金运用风险管理。
Insurance funds to use risk management is the top priority of the insurance business. At present, the utilization structure of insurance funds in our country is not reasonable. The asset and liability risk management system that matches the application of insurance funds is not reasonable. The credit rating mechanism of insurance companies is still not perfect, and the internal management system of insurance funds needs to be further improved. In view of the current status and problems of the application of insurance funds, a layered risk management system should be established to strengthen the risk management of insurance funds through three levels: macro government regulation, mid-range credit rating system improvement and micro-internal risk management mechanism optimization.