论文部分内容阅读
尽管发展趋势良好,但由于相关政策放开较晚和实践经验不足,我国保险资金信托化发展面临四大挑战。有别于国外保险资金运用渠道广泛、结构复杂、有价证券占比高、涉及投资领域多等特点,我国保险资金运用具有投资结构相对不合理、银行存款和债券占比高、政策影响大等特性。由于国际金融危机的影响及保险资金运用范围的扩大,2011年和2012年的保险资金投资结构有较大变动,其他投资的比例大幅上升,表明保险资金投资其他资本市场工具的意愿有所改变。信托作为一种良好的金融工具也开始受到保险资金的青睐。
Despite the good development trend, due to the late release of related policies and the lack of practical experience, the development of China’s trust in trust funds is facing four major challenges. Different from the extensive use of insurance funds in foreign countries, the complex structure, the high proportion of securities, which involves many fields of investment, the use of insurance funds in our country is characterized by relatively unreasonable investment structure, high proportion of bank deposits and bonds and policy implications characteristic. Due to the impact of the international financial crisis and the expanded application of insurance funds, the investment structure of insurance funds in 2011 and 2012 has been greatly changed. The proportion of other investments has risen sharply, indicating a change in the willingness of insurance funds to invest in other capital market instruments. As a good financial instrument, trust has also started to be favored by insurance funds.