我国保险资金股市投资及其风险控制

摘 要：随着我国保险行业的迅猛发展，保费收入迅速增长，保险资金运用力度加强。我国保险公司需要充分利用其保险资金，积极融入资本市场，才能在竞争激烈的保险行业中处于优势地位。特别是保险资金在股市的投资尤为重要，但是，长期以来我国保险资金股市投资存在着收益率较低，风险控制欠缺等一系列问题，提高保险资金在股市的投资收益率以及对其进行有效的风险控制，可以有效的促进保险资金与资本市场之间的良性互动，这也是我国保险行业未来发展需要重点解决的问题。
关键词：保险资金；投资；股市风险；控制
 
Stock Market Investment of Insurance Funds and Risk Control

Abstract: With the rapid development of China’s insurance industry, rapid growth in premium income，efforts to strengthen the use of insurance funds. My insurance company needs to make full use of its insurance funds, active integration into the capital market, so that, to the highly competitive insurance industry in a dominant position. In particular, the investment of insurance capital in the stock market is particularly important, but China’s stock market has long been the existence of insurance funds yield lower, the lack of risk control and other issues, increase the investment of insurance capital in the stock market returns and effective control the risk of investment, can effectively promote the insurance funds and the positive interaction between capital market, this is also the future development of China’s insurance industry need to focus on resolving the problem.
Key words: Insurance Funds; Investment; The risk of stock market; Control

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