摘要
银行存款、债券、证券、股票、基础设施、境外投资、房地产等投资都是国内保险资金运用的主要渠道。各种投资有一定优势,也都存在风险。存在的问题是:风险管理意识淡薄,行业管理水平滞后;缺乏行业高端人才,投资水平不高;投资范围有限,分散风险难以规避;投资方向不合理,存在较大支付风险;外部环境不公平,造成国内保险业的竞争劣势。保险资金运行的风险管理必须创造良好的外部环境,强化资金运用的监管,提高保险公司内部控制水平,吸引和培养风险管理专业人才,创新投资渠道,建立风险预警机制等有效的管理措施。
The major channels of insurance capital application includes bank savings, bond, securities, stock, base things, investment abroad, housing investment. All kinds of investments have a certain advantages, but risk. Problems are lack of risk management con- sciousness, industry management level, industry top talents, investment level, range and guidance, much more paid risk, outer environ- ment, etc., form a kind of disadvantages competition at home. The risk management of insurance capital application should make efiqeient solutions, including building a good outer environment, strengthening the examination on capital application, improving the control stan- dard of inner insurance company, introducing the major talents of risk management, creating investment channels and forming risk preven- tion system.
出处
《武夷学院学报》
2013年第4期43-46,56,共5页
Journal of Wuyi University
关键词
保险资金运用
风险管理
问题分析
有效措施
insurance money apphcation
risk management
problem analysis
efficient solution
