长期以来，我国保险业是走一条重扩张，轻投资的道路，保险资金大量沉淀于银行存款与国债之中，保险资金投资结构不合理。
2004年中国保监会允许保险资金直接进入股票市场，给保险业发展带来了诸多新的机遇与挑战。借鉴了发达国家保险市场的实践经验，分析了我国目前保险资金股票投资存在的诸种问题，结合保险资金的特征，对股票投资过程中所面临的系统风险和非系统风险进行阐述，提出了我国保险资金直接投资股票市场后改进保险投资监管的政策建议。
.
关键词： 保险资金；股票投资；系统性风险；非系统性风险
Abstract
Comes for a long time,The insurance industry in our country is walks a heavy expansion, the light investment path,the safe fund massive precipitations in the bank deposit and the national debt, the safefund investment structure is unreasonable.In China Insurance Regulatory Commission(CIRC)obtained the approval for insurance funds entering the stock market directly in 2004,The insurance capital is expected to face big opportunities and challenges at the same time after going on stock market.This dissertation proves the importance of insurance investment for the development of Chinese insurance industry by drawing the experiences from the developed countries, and studies some existing problems in Chinese insurance investment on stock market.Considering the features of insurance fund sufficiently. this paper elaborated systematic and nonsystematic risks in detail which is faced with in the process of stock investment. then makes proposals on how to improve the insurance investment supervision in Chinese stock market.
Keywords：insurance fund; investment stock; systematic risk; nonsystematic risks
*若需了解更多与协助请咨询↓→[电脑QQ][手机QQ]【数据协助】
