研究发现,我国保险业不敢投资于高风险证券投资资金,而对投资要求较高的投资类保险产品已成为保费收入增长的显著因素,所以保险资产与证券市场呈现“弱对接”的特征,保险负债和证券市场却呈现“强对接”的特征。本文根据资产、负债与证券市场对接不协调的现状,就如何改变这种状况提出了相应的对策。 The study finds that our country’s insurance industry can not invest in high-risk securities investment funds, while the investment-oriented insurance products with higher investment requirements have become the prominent factors in the growth of premium income. Therefore, the insurance assets and the securities market have the characteristics of “weak docking” Insurance liabilities and the securities market have the characteristics of “strong butt”. Based on the current situation of mismatch between assets, liabilities and stock market, this article puts forward corresponding countermeasures on how to change this situation.