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保险与资本市场的融合不是简单的资金互动关系 ,而是金融体系高级化的趋势 ,是一个金融体系结构性整合和发展的深化过程 ,既包括资本市场为适应保险机构入市在交易机制、产品结构、交易质介、风险监控等方面的改革创新 ,又包括保险机构自身的管理构架、监控制度、经营战略、产品结构等方面的调整和创新。只有通过培育和创造基本的环境和条件 ,选择适当的对接方式 ,按照“结合国情 ,循序渐进 ,控制风险 ,分步实施”的原则 ,深化保险和资本市场的结构性改革 ,促使两者良性互动 ,才能突破我国保险与资本市场的低水平相互制约状况。
The integration of insurance and capital markets is not a simple financial interaction, but a trend towards the higher level of the financial system. It is a deepening process of the structural integration and development of the financial system, including the capital market in order to adapt itself to the entry of insurance institutions into trading mechanisms, product structures , Transaction quality control and risk monitoring, as well as the adjustment and innovation of the insurance institution’s own management structure, monitoring system, business strategy and product structure. Only by adapting the principle of “integrating the national conditions, proceeding step by step, controlling risks and implementing step by step”, we should deepen the structural reforms in insurance and capital markets and promote the positive interaction between the two by properly selecting and matching up the mode of docking through the cultivation and creation of basic environments and conditions, Can we break through the low level of mutual restraint in insurance and capital markets in our country.