摘要
保险资金运用风险管理是保险企业经营的重中之重。当前我国保险资金运用结构不尽合理,与保险资金运用相匹配的资产负债风险管理体系不尽合理,保险企业信用评级机制仍未完善,保险资金运用内部管理体制仍需进一步完善。针对目前保险资金运用的现状及问题,应建立分层的风险管理体制,通过宏观政府监管、中观信用评级制度完善以及微观内部风险管理机制优化三个层面来加强保险资金运用风险管理。
Risk management on insurance funds investment is the key to insurance companies＇ operation, Currently, the insurance funds allocation is not very reasonable, and the asset liability risk management system matching insurance funds investment is far from being adequate. Moreover, the credit rating system of insurance companies is incomplete and the internal management mechanism for insurance funds investment is still to be improved. In face of these problems, we should establish a multi-tiered risk management system to strengthen insurance funds investment risk management through government regulation at the macro level, adequate credit rating system at the intermediary level and internal risk management mechanism optimization at the micro level.
出处
《保险研究》
CSSCI
北大核心
2007年第5期64-66,58,共4页
Insurance Studies
关键词
保险资金运用
风险管理
信用评级
insurance funds investment
risk management
credit rating
