我国投资连结保险的风险与防范

摘  要

投资连结保险的风险管理是我国投资连结保险乃至保险业发展的关键问题，完善我国投资连结保险的风险管理对我国保险公司提高竞争力，实现我国保险业健康稳定发展的重要目标，具有重大而深远的意义。
投资连结保险正在趋向完善的时候，本文介绍了我国投资连结保险的现状、国家对投资连结保险的政策扶持。进而分析了我国投资连结保险具体存在的风险，借鉴西方发达国家的管理经验，并提出了改革我国投资连结保险的具体措施。通过调查研究得出结论，在投资连结保险的风险管理上除了保留我国行之有效的管理外，还应借鉴西方先进的管理经验，运用先进的风险管理方法来完善我国投资连结保险的风险管理，以此来研究如何更好的进行投资连结保险的风险管理。
关键字：投资连结保险  风险  会计处理  保险资金
Abstract

Investment insurance risk management is the key issue of China's insurance and investment links the development of the insurance industry.We should improve China's Investment insurance risk management for China's insurance companies improve their competitiveness.      The China's healthy and stable insurance industry development is great and far-reaching Significance.
The link investment insurance is tendig to the perfect now, the article introduces the status of China's link investment insurance and the state-linked insurance policy support. Secondly,we analys the specific risks of China's link insurance investment, learn from developed Western countries, the management experience, and put forward China's reform and Investment insurance of specific measures. The investigation and study concluded that link investment in the risk management of insurance in addition to reservations on the effective management of our country, We should also learn from advanced management experience from the West,and apply advanced risk management methods to improve China's Investment insurance risk management in order to study how to control the link investment insurance risk better.
Keywords：Investment insurance  Risk  Accounting Treatment  Insurance funds

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