从当代国际保险市场看,保险投资和保险业的发展已融为一体,承保业务和投资业务的并驾齐驱已成为保险业发展的一种潮流。
随着承保能力日趋过剩,竞争日益加剧,保险投资不仅是推动保险业前进的车轮,也是弥补承保业务亏损,维持保险业继续经营的生命线。同时,随着资本市场的迅速发展,金融工具不断创新,各种投资性产品的加速开发和运作,成为保险投资发展的外部动因。国家政府也在逐步放松管制,促进保险业投资的发展。但是,我国保险市场仍欠发达,监管体系也不健全,还存在诸多问题亟待改进。本文在回顾国际保险市场上保险投资业务发展的历程的基础上,分析中国保险投资的历史,现状及制约因素, 根据保险投资的基本原则,分析我国保险投资渠道与政府监管并与主要发达国家的情况相比较,提出对如何完善我国保险投资制度的可行性建议并探索适合我国对保险投资监管发展的路径。
关键词: 保险投资；投资渠道；政府监管
ABSTRACT
From the prospective of modern international insurance market, insurance investment combined with traditional insurance business has .become the trend of development of the whole insurance industry, which can not only push the the whole industry forward, but also make up for the loss of underwriting business. with the rapid development of the capital market, financial instruments innovation, and various investment products accelerate the development and operation as insurance investment in the development of the external driving forces. Governments are gradually deregulation to promote investment in the development of the insurance industry, but China's insurance market is still underdeveloped, not a sound regulatory system, there are still many issues that must be improved. Based on the development process of insurance investment business in international insurance market, the essay focuses on the history, present status as well as constraits. According to the basic principles of insurance investment, it mainly analyze the insurance investment channels and governmental supervision. Compared with situations in other developed countries, some feasible proposals on how to improve China’s insurance investment mechanicals are clearly presented.Meanwhile, some more reasonable ways of governmental supervision on insurance investment from a unique perspective are put forward.
Key words: insurance investment; investment channels; governmental supervision
*若需了解更多与协助请咨询↓→[电脑QQ][手机QQ]【数据协助】
