案例,spss,数据分析

我国保险资金运用的结构与收益分析


全文字数:18000字左右  原创时间:<=2022年

【内容摘要】

近几年来,我国保险业伴随着中国金融改革的深入发展,保费规模出现爆发式的增长,保险从业人员、市场竞争主体也日益增多,我国的保险业已初具规模。

然而,在我国保险业发展的同时,我国保险公司却陷入一个怪圈:经营规模越大,经营风险越高,资金的运用收益较低,造成这一问题的根本原因在于我国的保险资金运用水平不高。保险资金的投资结构调整,必须开拓我国保险资金运用的渠道,改革调整保险资金运用的方式和限额,改革我国保险资金运用的模式及投资结构,以提高我国保险资金运用的收益性。同时建立切实有效的资金运用监管体系,提高我国保险资金运用的安全性。有效的保险资金运用提升我国保险业的核心竞争能力,使我国的保险业向着经济补偿、资金融通、社会管理三位一体的方向发展。

关键词:保险资金运用;资金规模;资金结构;资金收益


 
Abstract
In recent years, China's insurance sector along with the deepening of China's financial reform and development, the premium-scale outbreak in the growth of insurance practitioners, the main competition in the market is also growing, China's insurance has begun to take shape. However, in China's development of the insurance industry at the same time, China's insurance companies have plunged into a vicious circle: the bigger the scale of operation, the higher the risk management, capital of the use of low returns. The cause of the problem is the fundamental reason for China's use of insurance funds level is not high. Restructuring requires us to open up our channels for the use of insurance funds, the use of insurance funds clear the way and limits the use of insurance funds of China's reform model and the investment structure and to improve the use of insurance funds in China's profitability. At the same time for effective capital utilization monitoring system and improve the use of insurance funds in China's security. Through the use of insurance funds upgrade the core of China's insurance industry competitiveness, China's insurance industry towards economic compensation, financial intermediation, social management, three-dimensional direction.

Keywords:use of insurance funds;scale of funds;capital structure; fund avails

 

 

 

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