我国保险资金管理起步较晚,基础制度建设滞后,内部控制机制薄弱,普遍存在重投资、轻内控,重收益、轻风险的现象,违规运作行为时有发生,已经成为保险资金安全的重大隐患。保险机构要加强内控体系建设,建立健全风险防范体系,充分发挥保险的经济“助推器”和社会“稳定器”作用,为全面建设小康社会和构建社会主义和谐社会服务。 China’s insurance fund management started late, its basic system lags behind, and its internal control mechanism is weak. There is a widespread phenomenon of re-investment, light internal control, heavy returns and light risks. Non-compliance has occurred from time to time and has become a major hidden danger of the security of funds. Insurance institutions should strengthen the construction of the internal control system, establish and improve a risk prevention system, give full play to the role of insurance economy and social stability, and serve for building an overall well-to-do society and building a harmonious socialist society.