本科毕业论文--保险资金运用存在的问题及对策研究.docVIP

本科生毕业论文（设计） 保险资金运用存在的问题 及对策研究 姓　　名 学　　号 专　　业 指导教师 摘　要 自恢复国内保险业务以来，我国保险业保持了持续快速健康的良好发展势头。保费资金运用规模大幅增加,保险资金运用的结构和资金收益水平都有较大改善,监管部门也出台了一系列的旨在拓宽投资渠道和提高投资收益的措施,为我国多渠道运用保险资金提供了法律和政策依据,保险资金运用机制也在逐渐的完善和成熟,然而在这个过程中,我们也看到了我国保险业在资金运用方面还存在着很多问题。例如:资金运用渠道单一、收益低、收益不稳定、监管体系不完善、受利率影响风险大等问题，与国外保险资金运用相比还存在很大差距。保险资金的广泛运用及大规模进入资本市场是保险资金运用的必然趋势。但是由于我国资本市场发展时间较短，还存在着诸多问题，保险资金大规模进入资本市场必然存在巨大风险，因此建议结合我国实际，多渠道地运用保险资金。 关键词：保险资金;投资收益;资本市场;投资渠道  Abstract Since the resumption of domestic insurance business, Chinas insurance industry has maintained sustained, rapid and sound development momentum of the good. A substantial increase in premium size of funds, the structure and use of insurance funds have greatly improved the level of financial returns, regulators also issued a series designed to broaden the investment channels and measures to improve investment returns for our multi-channel use of insurance funds Provided legal and policy basis for the use of insurance funds also gradually improve the mechanism and mature, but in the process, we have also seen Chinas insurance industry in terms of funds, there are still many problems. For example: a single channel of funds, low income, income instability, regulatory system is imperfect, subject to interest rate risks and other issues affected, compared with overseas use of insurance funds is also a big gap. Extensive use of insurance funds and large-scale access to capital markets is the inevitable trend of use of insurance funds. However, due to shorter development time, Chinas capital market, there are still many problems, large-scale insurance funds to enter the capital market, there must be a huge risk, it is recommended practice in our country, multi-channel use of insurance funds. Key Words: Insurance funds; investment income; capital markets; investment channels 目录 引言 2 一、保险资金运用概述 2 二、我国保险资金运用状况分析 3 （一）保险资金运用规模 3 （二）保险资金运用结构 3 （三）保险资金运用收益水平 4 三、我国保险资金运用存在的问题 5 （一）保险投资收益不稳,收益率低 5 （二）保险投资行为短期化,期限匹配问题极为严重 5 （三）投资结构不合理 6 四、当前我国保险资金运