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进入20世纪80年代以来,保险市场竞争主体增多,承保能力过剩,保险产品供大于求,价格竞争激烈,承保业务利润下滑甚至亏损。为了弥补主营业务的亏损,各国的保险公司都非常注重保险投资,投资收益在保险公司整体利润中占有越来越大的比重。本文对我国保险资金运用的现状及存在的问题进行了简要分析,结合当前复杂的国际金融环境背景,指出我国保险资金运用面临的主要风险并给予对策。
Since the 1980s, the main body of competition in the insurance market has increased, the underwriting capacity has surpassed, oversupply of insurance products, fierce price competition and falling or even loss of underwriting business profits. In order to make up for the loss of main business, insurers all over the country place great emphasis on insurance investment, and the investment income accounts for an increasing proportion in the overall profit of insurance companies. This paper briefly analyzes the status quo and existing problems in the use of insurance funds in our country and points out the main risks faced by the use of insurance funds and gives some countermeasures in light of the current complicated international financial environment.