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投资业务在寿险公司经营管理中具有广泛的重要性。作为寿险公司防范、控制投资风险的重要手段 ,投资政策在投资活动中具有举足轻重的作用。投资政策可以分为战略性投资政策和战术性投资政策两个层次。在制定投资政策时 ,需要重点考虑的基本因素包括 :资产负债匹配关系、整体风险容限、长期投资的风险回报要求、法律法规等因素。投资政策包含的主要内容有 :投资目标、资产分配、投资基准、流动性要求、投资周期、评估和修改条款等。
Investment business in the management of life insurance companies have a wide range of importance. As an important means for life insurance companies to prevent and control investment risks, investment policies play an important role in investment activities. Investment policies can be divided into strategic investment and tactical investment policies at two levels. The basic factors that need to be considered in formulating an investment policy include: asset and liability matching, overall risk tolerance, risk return requirements of long-term investments, laws and regulations and other factors. Investment policies include: investment objectives, asset allocation, investment benchmark, liquidity requirements, investment cycle, assessment and modification of terms and conditions.