我国保险投资存在的问题及对策研究

我国保险投资存在的问题及对策研究摘要保险投资是现代保险业赖以生存和发展的主要支撑力量，在现代保险业的经营中占有非常重要的地位。但是鉴于当前我国保险投资中存在的一些问题，导致投资面临着很大的系统风险，加之在世界金融市场环境变化的大背景下，保险投资的综合收益率也呈现了逐渐下跌的态势，保险投资也面临着一系列的问题。这就要求保险投资要能审时度势解决好安全性、短期流动性和收益率性方面的合理关联，使投资可以在确保应有的安全性的基础上，更有效地把握经济高速成长阶段的发展机会。同时保险投资在积极拓宽投资渠道的同时还必须强化监督管理，以稳步推动保险业的健康发展。文章重点以中国保险投资为具体的研究目标，并利用文献研究法，对比分析法等，系统分析了中国目前保险投资的实际状况，并通过现状和中外比较，剖析了在中国保险投资的实际操作环节中，发现了中国保险投资面临的投资渠道狭窄，投资结构不合理等问题。本文根据我国国情，提出切实可行的有利于我国保险投资的建议。中国保险投资的改善，必然对推动我国保险行业的发展产生了积极而重大的影响，从而将进一步地把中国经济体系的发展水平提升一个层面，同时也有助于推动中国保险业的长远发展。关键词：保险投资；投资渠道；投资结构-I-Study on the Return of Insurance Investment in ChinaAbstractInsurance investment is the main support for the survival and development of moderninsurance industry and plays a very important role in the operation of modern insuranceindustry.However,in view of some problems existing in China's insurance investment,the investment is facing great systemic risks.In addition,in the context of the changes inthe world financial market environment,the comprehensive return rate of insuranceinvestment also shows a trend of gradual decline,and insurance investment is also facinga series of problems.This requires that insurance investment should be able to evaluate thesituation and solve the reasonable relationship between security,short-term liquidity andyield rate,so that investment can grasp the development opportunities in the rapideconomic growth stage more effectively on the basis of ensuring the due security.At thesame time,insurance investment must strengthen supervision and management whileactively expanding investment channels so as to steadily promote the healthydevelopment of insurance industry.Article focus to China insurance investment for specific research objectives,and byusing literature research,comparative analysis,etc.,the system analyzes the actualcondition of China's current insurance investment,and by comparing the status quo andthe Chinese and foreign,analyzed the practical link of insurance investment in China,found the Chinese insurance investment investment channel is narrowirrationalinvestment structure,etc.According to China's national conditions,this paper putsforward feasible suggestions for China's insurance investment.The improvement of China'sinsurance investment is bound to have a positive and significant impact on thedevelopment of China's insurance industry,which will further elevate the developmentlevel of China's economic system,and at the same time help promote the long-termdevelopment of China's insurance industry.Key Words:Insurance Investment;Investment Channel;Investment PortfolioII-目录摘Abstract..l一、绪论1(一)研究背景…(二)研究目的与意义(三)研究思路与研究内容..2(四)研究方法与拟创新之处2二、理论基础与研究综述…4(一）)相关概念….4(二)理论基础..4（三)研究综述4三、我国保险投资的现状.1(一)保险投资规模不断增大(二)保险投资配置结构单一。.7(三)保险投资收益率波动性大..9四、目前我国保险投资存在的主要问题10(一)保险投资渠道狭窄…10(二)保险投资结构不合理11(三)保险投资制度有待完善.….12(四)保险投资缺乏相应人才.12五、当前形势下改善我国保险投资的对策.….14(一）采用灵活的投资策略14(二)优化保险投资结构15(三)完善保险投资相关制度….15(四)设立专业保险投资机构培养人才16结论…17参考文献…18III一、绪论(一)研究背景自1979年末中国保险公司开始全面复苏，在近四十多年的历史中，国内保险公司的蓬勃发展可谓是日新月异。保险收入有着如此巨大的资本规模，保险资金成