浅析我国险资配置方式存在的问题

浅析我国险资配置方式存在的问题摘 要保险业的发展是基于承保和投资两个“轮子”并驾齐驱的前提下，目前，中国的保险市场已经突破 30000 亿，保险资金的投资收益不仅与保险公司经营的成败有关，而且也关系到整个保险市场的兴衰。在中国保险业在快速发展的过程中，它取得了很多成功的成果，但是也暴露出一些问题，如保险资金投资收益率较低，保险公词的风险管理水平不高，保险资金投资渠道较为狭窄等。这些问题影响了保险企业和我国整个保险行业的良性发展。基于此本文以“浅析我国险资配置方式存在的问题”为题，通过对险资配置的现状和内涵入手进行分析，对我国险资配置方式的现状进行分析，并且与国外先进国家的险资配置进行对比获得启示，最后提出对我国险资配置提出改进意见。关键词：险资配置 险资配置现状 配置方式 AbstractThe development of insurance industry is based on the premise that insurance and investment go hand in hand. At present, China's insurance market has exceeded 3000 billion. The investment income of insurance funds is not only related to the success or failure of insurance companies, but also to the rise and fall of the whole insurance market. In the process of rapid development of China's insurance industry, it has achieved a lot of successful results, but also exposed some problems, such as low rate of return on investment of insurance funds, low level of risk management of insurance terms, narrow investment channels of insurance funds, etc. These problems affect the healthy development of insurance enterprises and the whole insurance industry in China. Based on this, this paper takes the topic of "Simply analyzing the problems existing in the allocation of insurance funds in our country" as the topic, starts with the analysis of the present situation and connotation of the allocation of insurance funds, analyses the present situation of the allocation of insurance funds in our country, and compares it with the ...