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随着承保能力日趋过剩,竞争日益加剧,保险资金合理、可靠的运用不仅是推动保险业前进的车轮,也是弥补承保业务亏损,维持保险业继续经营的生命线。美国财产保险公司在过去近十年间,虽然大部分年份发生承保亏损,但还照样生存和发展,其主要原因就是保险公司通过保险业务聚集了大量的保费,并通过多种手段和渠道来管理、运用这些资金,使它们获得稳定且较高的投资收益来弥补主营业务的亏损。我国保险业资金运用收益率低、投资结构不合理、资金运用范围的限制等因素严重制约着其发展。这就要求我国保险业,特别是在保险资全运用方面进行创新。因为保险资金运用是保险业加快发展的客观要求,是保险公司重要的利润来源,保险资金运用可以为保险公司产品创新提供有力支持。
With increasingly overcapacity and increasing competition, the rational and reliable use of insurance funds is not only a vehicle for advancing the insurance industry, but also a lifeline for making up for the underwriting business and maintaining the insurance industry. In the past ten years, the property insurance companies of the United States have survived and developed most of the years despite their underwriting losses for most of the years. The main reason is that insurance companies have gathered a large amount of premium through the insurance business and are managed through various means and channels. The use of these funds, so that they receive a stable and high investment income to make up for the loss of the main business. The low rate of return on the use of funds in the insurance industry in our country, the irrational investment structure and the restrictions on the scope of the use of funds severely constrain its development. This requires our country’s insurance industry, especially in innovation and utilization of insurance capital. Because the use of insurance funds is an objective requirement for the insurance industry to accelerate its development and is an important source of profits for insurance companies, the use of insurance funds can provide strong support for product innovation of insurance companies.