保险投资风险控制浅析+文献综述
时间:2018-12-22 10:52 来源:毕业论文 作者:毕业论文 点击:次
| 摘要：随着全球金融同一化的进程加快，一方面对中国保险行业来说是走向全球的机会，另一方面对本国保险业来说也暗藏着风险与挑战。从1980年回复保险行业以来，中国保险行业以35%的速度飞速逐年增长，至2012年我国保险行业的承保收入额度达1.55万亿元，整个保险行业总资产额达到7.35万亿元，在整个社会金融体系中，保险行业的地位逐渐突出。整个保险行业投资渠道的拓展与纵深，是摆在保险业、股票证券业以及整个中国资本市场面前的一大严峻问题。31748 相对于发达国家而言，中国保险行业与资本投资市场都处于初级阶段，随着金融市场的不断扩展与完善，保险业的融资功能业逐渐凸显，中国保险业弥补亏损、提高偿付能力的重要支柱将逐渐向保险业投资所得转移。如今，保险行业投资己被批准进入股票证券市场、基础设施的建设以及不动产的投资，投资越来越多元化的同时也带来了许多风险。从宏观和微观角度加强对保险资金投资的风险监管，确立完善的保险行业的投资风险监督管理的体制与体系，既可以提高各保险公司的投资收益、也可以确保保险公司的偿付能力。 现在很多有价值的关于保险投资的研究都是来自外国学者，这些成果客观上促进了保险行业投资业务的发展。相对而言，国内学者在这方面的研究就比较匮乏，并且大多偏向于定性的分析。本文尝试保险投资行业的各种风险及其控制进行研究，并希望尝试进行一些定量的分析。 本文在概述了保险投资基础之上，阐述了我国保险投资行业发展的历史以及存在的风险，进而分析了同等风险条件下可能存在的最优资产组合，尝试提出了一些关于风险控制的策略与措施。 毕业论文关键词：保险投资 风险控制 对策与举措 Analysis of the Insurance investment risk and its control Abstract:The acceleration of the unification process of the world economy ,on the one hand, providing opportunities for China's insurance industry towards internationalization,on the other hand to mountainous country insurance industry has brought the huge challenge.Restore the insurance business since 1980,growing by 35%a year in the insurance industry,insurance industry in our country at the end of 2012 the balance of the premium income amounted to 4.5 trillion yuan,total assets of 7.5 trillion yuan,the insurance industry insurance industry is increasingly prominent in the position in the entire financial system.How to broaden the insurance investment channels,is facing the insurance industry,the securities industry and even the entire Chinese financial circles a serious problem. Compared with the developed countries,China's insurance industry and capital market is in its infancy,with the continuous development of financial market,the insurance industry investment and financing function increasingly obvious,investment income will become China's insurance industry losses,improve the important pillar of solvency.At present,has allowed to enter the securities market of insurance funds,participate in infrastructure construction and investment in real estate,the persification of investment to make the investment risk to the insurance industry has increased dramatically.Therefore,from the level of macro regulation and micro management to strengthen the insurance investment risk control,establish and improve the insurance investment risk management system,improve investment benefit to insurance company,strengthen the solvency has the vital significance. The development of the insurance investment business.Relatively,the domestic research on insurance investment risk is very lack.In this paper,the insurance investment risk and its control measures for more research. (责任编辑：qin) |