我国人寿保险资金运用问题研究

摘    要
保险业的健康发展既有利于社会的稳定，又有助于防范金融风险，因此促进保险业健康、稳定的发展，对经济有着重要的现实意义。保险资金运用是保险两大主营业务之一，要发展保险业就必须重视保险资金运用。而我国寿险在整个保险市场中占具着不可撼动的地位，是我国保险的中坚力量。在对我国寿险公司资金运用的案例分析，找出我国寿险公司存在的问题，并且在借鉴西方国家寿险投资的先进经验的基础之上，结合我国实际情况提出相应的措施和建议，并最终帮助我国寿险公司提高收益、扩大投资渠道、完善寿险投资运用环境、在与外资保险公司的竞争中，赢得一席之地。
                
关键词： 寿险资金；资金运用分析；财务分析
 
Abstract
The insurance industry will benefit the healthy development of social stability, but also help to guard against financial systemic risk, so the insurance industry to promote the healthy and stable development, has important practical significance. The use of insurance funds is the main business of insurance, one of the two, in order to develop the insurance industry must pay attention on the use of insurance funds Life insurance in the account for the whole of the unusually strong position is the backbone of China's insurance. China's life insurance companies through the use of case studies of funds, life insurance companies in China to identify the problems, and life in Western countries learn from the advanced experience of the investment based on the actual situation of our country the corresponding measures and proposals, and ultimately help improve the income of China's life insurance companies to expand investment channels, improve the use of life insurance investment environment, foreign insurance companies in the competition, winning a place.

Keywords：Life Insurance Funds；Analysis of funds；Financial Analysis

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