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一、保险资金的特性及其运用条件分析1、可用性。保险基金是一种负债性质的待用基金,它具有先收后支,收支相分离时特点。在支付过程有当即补偿、较长时间补偿和永远不再补偿三种情形,就形成了保险基金准备待用的闲置时间,只要保险业务不中断,这种闲置就会无休止的延续积累。这种准备待用的负债性质和收支上的时间差以及剩余积累,就为保险基金长期地被保险企业加以运用,参与金融投资再经营提供了时间上的稳定数额。
First, the characteristics of insurance funds and their conditions of use analysis 1, availability. Insurance fund is a kind of indebted fund, which has the characteristics of the first payment after the receipt and payment are separated. In the payment process has immediate compensation, compensation for a long time and will never be compensated for three cases, the formation of the insurance fund ready for the idle time, as long as the insurance business is not interrupted, this idle will continue to accumulate endlessly. The nature of the debt to be prepared, the time lag between revenue and expenditure, and the accumulation of surplus have been used by insurance companies for a long period of time by insurers, providing a stable amount of time to re-engage in financial investment.