关于优化保险资金风险管理的研究  

Research on Optimizing Risk Management of Insurance Funds

作　　者：程子璇 阮萍[2] CHENG Zixuan;RUAN Ping(Asset Management Department,GUOYUAN Agricultural Insurance Co.Ltd.,Hefei 230031,China;Accounting Institute,Yunnan University of Finance and Economics,Kunming 650221,China)

机构地区：[1]国元农业保险股份有限公司资产管理部,安徽合肥230031 [2]云南财经大学会计学院,云南昆明650221

出　　处：《皖西学院学报》2018年第6期43-46,共4页Journal of West Anhui University

摘　　要：随着保险资金规模的扩大以及监管政策的规范,保险公司为扩大自身市场发展相继不断地扩展投资业务,面对持续走高的保险行业潜在风险,如何推动保险投资业务高质量发展,建立健全保险资金运用风险管理效能显得尤为重要。本文主要围绕保险资金运用在偿付能力、监管方面等存在不足的问题,分析造成制度与企业规划相脱离、风险管理工具及方式不健全等原因,提出相应的对策,即要坚持稳健审慎的投资理念,遵循保险行业自身特有的规则,创新资产负债匹配与风险管理相结合的模式和方法。With the expansion of insurance funds and the regulation of policies,the insurance companies have been expanding their investment businesses in order to expand their market development.In the face of high potential risks of the insurance industry,how to promote the high-quality development of insurance investment business and how to establish and improve the use of risk management of insurance funds efficiency is particularly important.This paper mainly focuses on the problems existing in insurance fund application,such as solvency and supervision and analyzes the reasons causing the separation of the system from enterprise planning and the unsound risk management tools and methods.The company should adhere to the prudent investment philosophy,follow the special rules of the insurance industry,and innovate the mode and method of combination of asset and liability matching and risk management.

关 键 词：保险资金运用 风险管理 资产负债管理 

分 类 号：F840.3[经济管理—保险]