资产驱动型保险投资研究

在保险资金运用上，保险公司进行资产负债匹配管理，多数保险公司强调“负债驱动投资”的作用。近年来，随着资本市场资产低估和保费收入现金流规模越来越大，少数保险企业实施“资产驱动负债”型投资方式，通过大量销售投资型万能险产品获得低成本资金，并大规模投资于权益市场。保监会派出检查组进驻前海人寿、恒大人寿，对这种资产驱动型投资进行扼制。本文阐述保险资金投资原则和资金运用方式，分析资产驱动型投资的风险因素，并给出合理的政策建议。
关键词：资产驱动负债；保险资金；发展与经营；风险因素

Assets driven insurance investment research
ABSTRACT
On the use of insurance funds, insurance company will match assets and liabilities and manage them. In practice, most insurance companies use \"debt-driven investment\" to invest. In recent years, with the capital market undervalued assets and premium income cash flow scale is more and more big, a few insurance companies implement \"assets driven liabilities\" type, through a lot of selling investment-oriented universal insurance products to obtain low cost capital, and large-scale investment in the equity market. China Insurance Regulatory Commission sent inspection group into the Sea Life, Evergrande Life before, and to curb the asset driven investment. This article expounds principles and way of capital operation of insurance funds investment, analysis asset driven investment risk factors, and give reasonable Suggestions.
Keywords: Assets driven liabilities; Insurance fund; Development and management; Risk element

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