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拓宽保险资金的投资渠道有利于改善保险资产结构 ,提高保险公司的偿付能力和经济效益。保险资金最佳的证券投资方式为投资保险基金。保险基金的设立既要有利于保险资金的安全、流动和获利 ,同时也要有利于中国 A股股票市场的平稳发展。保险基金应采用“半开放”式基金模式 ,封闭一定期限后可周期性赎回。保险基金要建立保险公司、保险基金管理公司、保险基金托管银行三者各负其责、协调运转、有效制衡、专家理财、利益共享、风险共担的治理结构。
Broaden the investment channels for insurance funds will help improve the insurance asset structure and improve the solvency and economic benefits of insurance companies. Insurance funds the best way to invest in securities investment insurance funds. The establishment of an insurance fund is not only conducive to the safety, liquidity and profitability of insurance funds, but also conducive to the steady development of China’s A-share stock market. Insurance funds should adopt “semi-open” fund model, closed for a certain period of periodic redemption. Insurance funds to establish insurance companies, insurance fund management companies, insurance fund custodian banks all three responsible for their coordination, effective checks and balances, expert wealth management, benefit-sharing, risk-sharing governance structure.