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资金运用在保险公司经营中占据了重要的地位 ,在金融市场及国民经济发展中的地位也将进一步提高。资金运用风险管理是保险业发展的生命。保险资金运用风险管理的核心是投资管理 ,包括信用风险、利率风险、市场风险、流动性风险以及管理风险的管理。资金运用风险管理的理论包括资产组合理论、套利理论、期权漂移理论和博弈论。随着我国保险业的发展和保险资产可运用比率的提高 ,保险资金运用的风险管理将十分重要 ,管理技术分析要求更高 ,必须进一步健全和完善保险资金运用的风险管理体系和监控机制 ,必须具有一支专业投资队伍。
The use of funds occupies an important position in the operation of insurance companies and will be further enhanced in the financial markets and the development of the national economy. The use of funds Risk management is the life insurance industry. The use of insurance funds The core of risk management is investment management, including management of credit risk, interest rate risk, market risk, liquidity risk and management risk. The theory of capital operation risk management includes portfolio theory, arbitrage theory, option drift theory and game theory. With the development of China’s insurance industry and the increase of the ratio of insurance assets, the risk management of insurance fund utilization will be very important and the management and technical analysis requirements will be higher. The risk management system and monitoring mechanism for insurance fund utilization must be further improved and perfected. With a professional investment team.