【作者】 王鹏；

【导师】 王勇；

【作者基本信息】 四川大学 ， 金融学， 2005， 硕士

【摘要】 在加强保险资金的运用已成为必然选择的现实趋势下,我国保险业受制于相关法规制度和金融市场的限制,盈利水平不高,极大地影响了保险公司的偿付能力,保险业的潜在风险集聚。关于拓宽保险资金运用渠道以及如何有效运用保险资金的研究已有大量文献可供参考,本文试图从完善保险资金运用法规制度的角度展开论述。系统研究保险资金运用的法规制度制度将为我国以后更好的使保险资金保值、增值提供坚实的法律基础和制度保障。全文以保险资金构成、运用范围及监管的法律规范理论为支持,通过引述各国保险资金运用中的法律规范及保险资产分布情况,比较分析了世界主要发达国家和NICs(新兴工业化国家)保险资金运用的法规制度,根据我国在保险资金运用法规制度方面的不足之处,在金融业面对WTO、加快对外开放和竞争的大环境下给出相关的政策法规建议。论文采用了比较和实证相结合的研究方法,以比较研究法为主。 第一章简要阐述了我国保险资金运用法规制度产生的背景及本篇论文的研究意义。无论是保险投资的无序还是《保险法》的出台,以及后阶段对保险投资法规制度的不断充实完善,我国保险资金运用法规制度的产生是与我国保险、金融和市场经济的发展状况密不可分的;研究保险投资的法规制度,是限制和减少保险投资风险,规范投资行为,完善投资结构,稳定经营和财务管理,最终维护被保险人切身利益的根本保证。 第二章阐述了保险资金的构成、运用范围和监管的法律规范理论,为后面章节的展开论述作理论铺垫。保险资金的来源大致可分为权益性资金和负债性资金,但并非全部可运用;我国对保险资金的运用范围的限制至少存在四点缺陷;最后,从保险投资监管法规的法价值出发,分析了保险资金运用的监管法更多还原

【Abstract】 Under the circumstances that strengthening the insurance fund application has already become the realistic trend, the insurance of our country is situated in relevant legislation system and restrictions of the financial market, the profit level is low, influence the solvency of the insurance company greatly, potential risks of the insurance gather. About widen insurance invest channels and how to use the fund can consult a large number of documents and thesis, but this text specially probe into legislation system. The study on legislation system of insurance invest, will offer solid legal foundation and system guarantee for making insurance fund preserve and appreciate value. The text uses the legal norm theories of the origin, range and supervision in order to support with the insurance invest, comparatively analysis the developed country and NICs (newly industrializing country)’s legislation system of insurance invest and distribution situation of the insurance assets. According to the weak point in the legislation system of insurance invest in our country, in financial circles in the face of WTO, the author provided relevant policies and legislation advise.Chapter one mainly explained the background produced of legislation system of insurance invest in our country, include the study purpose.Chapter two explained the legal norm theory in composition, application range and supervision of the insurance fund. These discussions can provide the theory supporting for the following contents.Chapter three is a key part of the full text, adopted the method of comparative study and real example analysis. Comparatively analysis the developed country and NICs’s legislation system of insurance invest and distribution situation of the insurance assets, draw seven enlightening experiences.Chapter four discuss the changes course of the legislation system of insurance invest. The relative legislation system still remain to make more concrete and clear. Combine the analysis of preceding paragraphs, according to the weak point in our legislation system of insurance invest, proposed eleven suggestions.更多还原