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按照我国加入世界贸易组织的承诺,2005年开始我国保险市场已经向外资保险公司开放,经营地域的限制也同时取消,这意味着外资保险公司将凭借其雄厚的资产规模、先进的经营理念和混业经营的市场模式抢摊中国市场,而中国保险业虽然在保费收入方面较快增长,但是在保险资金运用渠道上仍然受到分业经营的限制,中国保险业在保险展业、承保、理赔等环节上与外资公司相比差别不大,但是在资金运用上存在很大不同,中国保险业资金的出路不畅已成为制约保险经营的一个重要因素。本文主要通过分析目前我国为什么保险业保险资金投资运用效率低,指出我们要加强监管,走一条渐进式的保险混业经营之路。
According to our country’s commitment to join the World Trade Organization, in 2005 China’s insurance market has been opened up to foreign-funded insurance companies and geographical restrictions have also been abolished. This means that foreign-funded insurance companies, by virtue of their abundant assets, advanced management concepts and mixed Although the insurance industry in China is still growing rapidly in terms of premium income, it is still subject to the restrictions on the operation of insurance funds. The insurance industry in China’s insurance industry, underwriting and claims settlement, etc. Compared with foreign companies, the difference is not big, but there are big differences in the use of funds. The poor way out of the insurance funds in China has become an important factor restricting the insurance business. This paper mainly analyzes the current low insurance investment in our country because of the inefficient use of insurance funds, pointing out that we should step up supervision and take a gradual road insurance mixed management.