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本文在系统分析当前保险资金的投资现状和发展趋势基础上,重点剖析了我国保险资金境外投资面临的一般风险、特殊风险和渠道风险,进而从全面风险管理制度、投资渠道优化、内部控制优化和审慎投资流程优化角度探讨了保险资金境外投资的控制手段,并从推进监管模式改进进程、注重保险投资人才培养、构建内部监控体系、加强资产组合配置和进行货币匹配管理角度提出了可行性建议。
Based on the systematic analysis of current investment situation and development trend of insurance funds, this paper mainly analyzes the general risk, special risk and channel risk faced by overseas investment of insurance funds in China. Furthermore, from the aspects of comprehensive risk management system, investment channel optimization, internal control optimization and From the perspective of prudent investment process optimization, this paper discusses the control measures of overseas investment in insurance funds and puts forward feasible suggestions from the perspectives of promoting the process of regulatory reform, focusing on the cultivation of insurance talents, constructing the internal control system, strengthening portfolio allocation and managing currency matching.