【作者】 徐敏峰；

【导师】 岳金桂；

【作者基本信息】 河海大学 ， 技术经济及管理， 2005， 硕士

【摘要】 随着我国加入WTO，国外保险机构加速进入我国保险市场，中外保险机构共同竞争的格局已经形成。随着保险主体的增加，保险市场的竞争日趋激烈，我国保险公司的承保利润迅速下降，依靠承保利润推动我国保险业发展已经非常困难。 国际保险业的经验表明，当保险市场的竞争较为充分之后，保险资金运用的收益将成为保险业发展的重要动力。然而我国保险资金运用的低效与保险市场的飞速发展之间的矛盾日益明显，集中体现在我国保险资金的运用渠道较为狭窄、运用的结构不尽合理和运用的收益有下降趋势三方面。保险资金运用的低水平已经成为制约我国保险业发展的瓶颈，研究在开放背景下如何提升我国保险资金运用的水平，从而推进我国保险业国际化进程，具有重要的现实意义。 本文从保险资金运用的理论分析入手，通过对我国保险资金运用沿革的介绍、保险资金运用风险的揭示和国内外保险资金运用的比较，揭示我国保险资金运用的现状和与国际保险发达国家的差距。接着，本文就加入WTO对我国保险业，以及对我国保险资金运用的影响作了分析。 基于以上分析，本文进一步对提高我国保险资金运用水平进行建议。鉴于拓宽我国保险资金运用渠道的重要作用，本文对保险资金运用的一些重要渠道进行了阐述；同时，本文从保险资金与资本市场融合、完善监管、创新、混业经营等角度提出了加强我国保险资金运用水平的策略，以期提高我国保险业运用保险资金的能力，在开放背景下实现我国保险业应对国际竞争稳定、健康发展的目的。更多还原

【Abstract】 When China enters WTO, the foreign insurance organizations alsoenters the Chinese insurance market rapidly. The condition that Chinese insurance organizations and foreign ones compete together has already come into being. As well as the increase of the insurance organizations in quantity, the competition in domestic insurance market has become harder .making the profits within this industry decline quickly. ""Hence, it could be very difficult to develop domestic insurance markets depending on the profits of underwriting.The experience of the international insurance industry indicates that, when the competition of the insurance market is fairly sufficient , the investment of the insurance funds will become an important developing motivation. However, in China, the conflicts between the poor efficiency of the operation of insurance funds and the fast development of insurance markets have been shown in evidence. The conflicts exist in three aspects. First,the channel for insurance funds utilization is fairly narrow. Secondary,the structure of insurance funds is less efficient. Thirdly, there is a declining trend for the profits. The low operating efficiency of the Chinese insurance funds has already become the bottleneck of the enhancement of the industry. Therefore, it will make sense to study how to promote the level of the insurance funds utilization in China, and then push forward the Chinese insurance industry process of internationalization.This thesis commences from the theoretical analysis of insurance funds utilization, and then introduces the history of the domestic funds. Revealing the risk and comparing the difference in terms of utilization between domestic insurance funds and foreign competitors, this thesis clearly delineates the present condition and shortages of domestic funds. Then, this paper makes an analysis to the influence of our insuranceindustry and insurance funds usage with China’s entry into WTO.Following the analysis mentioned above, this paper further makes suggestions on improving the level of insurance funds utilization. Owing to the importance of broadening the channel to utilize the insurance funds, this paper discusses the features of some import channels. Meanwhile, this paper raises some strategies to strengthen the ability of managing the funds , in terms of corresponding the insurance funds with the capital markets strengthening the supervision and innovation, and operating syncreticly ,etc. I wish these strategies can strengthen the abilities of operating insurance funds in China, and then can help to establish a firm, healthy and advancing industry to face global competitions under an opening background.更多还原