案例,spss,数据分析

保险资金投资股票市场的风险研究


全文字数:12000字左右  原创时间:<=2022年

【内容摘要】

保险资金投资股票市场的风险研究


摘要: 我国的保险资金于2005年3月份以直接入市的方式直接进入股票市场,这是我国保险资金运用的一次历史性突破。它不仅拓宽保险资金的运用渠道,还提高保险资金的收益率同时也为股票市场注入资金,这既可以增加市场的稳定性,还可以实现保险市场与股票市场的良性互动。但当保险资金入市后保险资金的运用也将面临着更大的投资风险。首先,在股市长期投资价值不高的情况下,保险资金在股市面临的风险综合表现为系统性风险和非系统性风险两大类,本文通过对保险资金入市的现状分析,指出了造成保险资金入市投资风险的原因。其次,本文分析了保险资金直接投资股市的风险成因主要包括股票市场结构、资本市场结构、行业兴衰、保险公司治理结构、保险监管部门监管风险的能力等方面。最后,从制度、法规、市场秩序和监管等方面加强资本市场建设和管理,合理控制投资比例、进行投资组合,加强监管力度,完善投资环境和资本市场结构,对保险资金投资股票市场进行价格风险控制,努力吸收和培养保险投资的综合性人才等方面提出了防范保险资金入市风险的具体措施,来不断的规避保险资金的投资风险,促进保险也的不断发展。

关键词: 保险资金, 股票市场, 风险分析 ,风险防范
The risk of the insurance funds to invest stock market

Abstract: China's insurance funds directly into the market in March 2005 directly into the stock market, which is a historic breakthrough in China's use of insurance funds. It is not only to broaden the channels of insurance funds can be used to improve the rate of return of insurance funds also to inject liquidity into the stock market, which can increase the stability of the market, the positive interaction of insurance and stock markets can also be achieved. The use of insurance funds, but when the insurance funds into the market will also face greater investment risk. First of all, in the case of the stock market long-term investment value is not high, the risks faced by the insurance funds in the stock market and overall performance status of the insurance funds into the market for systemic risk and non-systemic risk, the paper pointed out that causing the insured funds into the market investment risk reasons. Secondly, this paper analyzes the risk of insurance funds to invest in stocks directly caused mainly by the structure of the stock market, capital market structure, industry rise and fall of the governance structure of insurance companies, and insurance regulators the ability to regulatory risk. Finally, from the system, regulations, market order and supervision, strengthen the construction and management of the capital market and the reasonable control of the investment ratio, investment portfolio, and strengthen supervision and improve the investment environment and capital market structure, price risk on the insurance funds to invest in stock markets control efforts to absorb and cultivate the talent of the insurance investment put forward specific measures to guard against the risk of insurance funds into the market to continue to avoid the risk of the investment of insurance funds, to promote the continuous development of the China's insurance.

Key words:Insurance funds,the stock market,Risk analysis,risk prevention

 

*若需了解更多与协助请咨询↓→[电脑QQ][手机QQ]【数据协助】