我国保险投资存在的问题及对策研究StudyontheReturnofInsuranceInvestmentinChina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StudyontheReturnofInsuranceInvestmentinChinaAbstractInsuranceinvestmentisthemainsupportforthesurvivalanddevelopmentofmoderninsuranceindustryandplaysaveryimportantroleintheoperationofmoderninsuranceindustry.However，inviewofsomeproblemsexistinginChina'sinsuranceinvestment，theinvestmentisfacinggreatsystemicrisks.Inaddition，inthecontextofthechangesintheworldfinancialmarketenvironment，thecomprehensivereturnrateofinsuranceinvestmentalsoshowsatrendofgradualdecline，andinsuranceinvestmentisalsofacingaseriesofproblems.Thisrequiresthatinsuranceinvestmentshouldbeabletoevaluatethesituationandsolvethereasonablerelationshipbetweensecurity，short-termliquidityandyieldrate，sothatinvestmentcangraspthedevelopmentopportunitiesintherapideconomicgrowthstagemoreeffectivelyonthebasisofensuringtheduesecurity.Atthesametime，insuranceinvestmentmuststrengthensupervisionandmanagementwhileactivelyexpandinginvestmentchannels，soastosteadilypromotethehealthydevelopmentofinsuranceindustry.ArticlefocustoChinainsuranceinvestmentforspecificresearchobjectives，andbyusingliteratureresearch，comparativeanalysis，etc.，thesystemanalyzestheactualconditionofChina'scurrentinsuranceinvestment，andbycomparingthestatusquoandtheChineseandforeign，analyzedthepracticallinkofinsuranceinvestmentinChina，foundtheChineseinsuranceinvestmentinvestmentchannelisnarrow，irrationalinvestmentstructure，etc.AccordingtoChina'snationalconditions，thispaperputsforwardfeasiblesuggestionsforChina'sinsuranceinvestment.TheimprovementofChina'sinsuranceinvestmentisboundtohaveapositiveandsignificantimpactonthedevelopmentofChina'sinsuranceindustry，whichwillfurtherelevatethedevelopmentlevelofChina'seconomicsystem，andatthesametimehelppromotethelong-termdevelopmentofChina'sinsuranceindustry.KeyWords：InsuranceInvestment;InvestmentChannel;InvestmentPortfolio目录摘要.....................................................................................................................................IAbstract..................................................................................................................................II一、绪论................................................................................................................................1（一）研...
