国际保险业发展趋势表明,资金运用和承保业务是保险公司两个最重要的利润来源。在某些国家,资金运用甚至成为保险公司主要的盈利途径。2005年,中国保险资金运用在收益水平、机制建设、外部监管等方面取得明显进展,资金运用对保险业利润的“双轮效应”日益凸现。 The trend of international insurance industry shows that the use of funds and underwriting business are the two most important sources of profit for insurance companies. In some countries, the use of funds has even become a major profit-making path for insurers. In 2005, the use of insurance funds in China made notable progress in terms of profitability, mechanism construction and external supervision. The “dual effect” of capital utilization on insurance profits has become increasingly prominent.