中国保险资金的运用已有了初步的投资规模，也积累了一些投资经验，但存在着诸如资金运用管理手段落后、保险资金运用组织形式比较落后、对保险资金运用的监管方式和手段制约着保险资金的运用等急待解决和完善的问题。
随着中国经济的发展和金融市场的不断完善和成熟，引入资产负债管理、改进保险资金运用组织形式、建立完善的保险资金管理体系可以作为相应的对策对上述问题加以解决，从而建立和发展一个健康、有序、完善的金融保险市场。
关键词：保险公司；保险资金；运用；组织模式
Abstract
The Chinese insurance fund utilization had the preliminary investment scale, also accumulated some investment experience, but has such as the utilization of capital management method backwardness, insurance utilization of capital organization form quite to be backward ,is restricting the question to the insurance utilization of capital supervising and managing way and the method which the insurance fund utilization becomes impatient remains unresolved and consummates.
Along with the development of China's economy and financial markets continue to improve and mature. Introduction of the asset-liability management, the use of insurance funds to improve organizational forms , establish and improve the management system of insurance funds can be used as phase Countermeasures should be on these issues to be addressed in order to build and develop a healthy, orderly, sound financial insurance market.
Keywords：Insurance company；Insurance fund；Investment；Organization pattern
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