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１建立科学的投资管理体系。（１）对资金运用进行集中管理。从我国保险公司资金运用的管 理教训来看，分散的资金管理方式容易造成资金闲置浪费，投资风险把握能力弱，投资收益 率（投资者要求报酬率）低下，不良资产比例高的状况。借鉴西方发达国家经验，在公司内部 对
1 establish a scientific investment management system. (1) centralized management of the use of funds. Judging from the management lessons of the use of funds by insurance companies in our country, decentralized fund management tends to result in idle and wasted funds, weak ability to grasp investment risks, low return on investment (the return on investment from investors), and a high proportion of non-performing assets. Learn from the experience of developed western countries, in the company