保险资金投资方式及风险研究摘要近些年来,我国市场经济呈现出持续稳健发展的态势,随着中国保险业的不断发展,保险资金可以投资的范围得到了极大的拓宽,投资渠道也逐步拓宽,保险资金投资业务已经成为关系保险公司生存和保险行业发展的重要因素，保险机构作为重要的机构投资者也活跃在资本市场中。由于保险资金具有越来越宽广的投资渠道,投资方向也不限于传统的固定收益类资产,开始向股票、基金、不动产、基础设施投资计划、境外投资等多元化投资组合模式转变。同时伴随着快速发展带来的潜在保险资金投资风险也日益增多,如何实现保险资金运用的有效管控,直接关系到保险业的可持续发展。保险资金的投资运用直接关系到被保险人的根本利益，同时保险资金在投资运作中除了具有一般投资风险的共性,还有其自身的特殊性,加上受到了经济全球化以及对外开放的影响,导致我国的保险资金投资风险的不稳定性和国际性不断加大,因此必须要对我国的保险资金投资进行有效的风险管理。关键词：保险资金，投资风险，投资方式1AbstractIn recent years, China's market economy has shown a steady and sustained development trend. With the continuous development of China's insurance industry, the scope of insurance funds can be invested has been greatly broadened, and investment channels have been gradually broadened. Insurance funds investment business has become an important factor for the survival of insurance companies and the development of the insurance industry. Insurance institutions, as important institutional investors, are also active in investment. In this market. As insurance funds have more and more extensive investment channels, the direction of investment is not limited to the traditional fixed-income assets, and has begun to change to diversified portfolio models such as stocks, funds, real estate, infrastructure investment plans, overseas investment and so on. At the same time, with the rapid development of the potential investment risks of insurance funds are also increasing. How to achieve effective control...
