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保险投资的绩效与保险公司的组织模式有着密切的联系,选择一个好的组织模式,不仅能够保证保险投资的投资回报,而且也是防范和化解保险企业经营风险的有效手段。从西方国家保险企业组织模式的发展历程和经验来看,保险资金交由专业的投资公司来运作是保证保险投资绩效的有效途径;同时,将保险资金交由与保险公司同属一个集团或控股公司下的投资子公司来运作,使保险资金风险在保险公司可控的范围内,这也是防范和化解金融风险的有效途径。
The performance of insurance investment is closely related to the organizational model of insurance companies. Choosing a good organizational model can not only ensure the return on investment of insurance investment, but also is an effective way to prevent and resolve the operational risks of insurance companies. From the development course and experience of the insurance enterprise organization mode in western countries, it is an effective way to ensure the investment performance of insurance investment that the insurance funds are transferred to a professional investment company. At the same time, insurance funds should be handed over to the same group or holding company as the insurance company Under the investment subsidiary to operate, so that the risk of insurance funds within the control of insurance companies, which is also an effective way to prevent and resolve financial risks.