资本经营是企业与行业在发展过程中 ,增强自身竞争力的重要手段。对保险业而言 ,通过资本经营可以增强保险业承担风险的能力 ,迅速扩张保险业在国民经济中的作用 ,有利于资源的有效配置 ,促进存量资本的流动 ,实现保险业内部企业间与其他行业企业间优势的互补 ,从而提高行业整体效应。资本经营对保险业的具体作用表现如下 :有利于资源在保险业的优化配置 ;解决保险公司所有制形式不适应经济环境的问题 ;可以解决保险业在发展过程中资本投入不足的问题 ;是企业实现经营战略的重要手段 ;有利于金融资产的合理配置 ,实现负债管理的科学性 ;有利于建立共有的信息平台 ,降低运营成本 Capital management is an important means for enterprises and industries to enhance their own competitiveness in the process of their development. For the insurance industry, capital operation can enhance the ability of the insurance industry to take risks, rapidly expand the role of the insurance industry in the national economy, facilitate the effective allocation of resources, promote the flow of stock capital, and realize the inter-firm relationship between the insurance industry and other The complementary advantages of industry and enterprises, thereby enhancing the overall industry effect. The specific role of capital management in the insurance industry is as follows: It is conducive to the optimal allocation of resources in the insurance industry; to solve the problem that the ownership form of insurance companies does not adapt to the economic environment; to solve the problem of underinvestment in the insurance industry in the process of development; An important means of business strategy; is conducive to the rational allocation of financial assets, to achieve the scientific management of liabilities; conducive to the establishment of a common information platform to reduce operating costs