保险公司多年来一直被认为是灾害事故赔偿基金的组织者 ,但从欧美等发达国家保险经营运行轨迹的分析来看 ,其实际上是风险资产管理人。在美国 ,离开投资 ,保险公司是无法立足的。通过欧美的例证 ,可以看出保险投资在保险公司经营管理中的重要性 ,保险公司本质不是什么慈善机构 ,来为大家无偿组织保险补偿基金 ,而是作为风险资产管理人来管理投保人的钱 ,使其安全、升值 Insurance companies have been considered as organizers of disaster accident compensation fund for many years. However, according to the analysis of the operation insurance tracks of developed countries such as Europe and the United States, they are actually venture capital managers. In the United States, without insurance, insurance companies can not gain a foothold. Through the examples in Europe and the United States, we can see the importance of insurance investment in the insurance company’s operation and management. The nature of the insurance company is not a charity, so that we can organize the insurance compensation fund for free, and manage the insured person’s money as a risk asset manager , Make it safe, appreciation