MBA教育中心知识库

  近年来，我国国民经济快速发展，保险业也随之有了长足的发展和进步，不仅仅国有大型保险企业取得了良好效益和社会影响，股份制保险公司数量也快速增加，国外保险公司对中国市场也非常重视，纷纷进入中国市场。但是在快速发展的过程中，国内保险公司资金运用方面也暴露出一些问题，导致整个行业的保险资金收益率较低，风险管控水平也不高，影响了保险企业的良性发展。因此，提高保险资金运用的水平和风险管理水平对国内保险企业持续健康发展有着十分重要的意义。

  本文在保险资金运用相关理论的指导下分析了国内、国外保险公司的资金运用现状，以平安保险公司作为实证研究案例，对其资金运用和风险管理的现状进行分析，发现平安在险资投资过程中除了受宏观政策所带来的影响外，还存在风险控制手段较为落后、风险控制组织机构不合理、风险控制机制不完善以及缺乏专业的保险资金管理人才等问题。在相关理论和国内外保险公司先进资金运用的经验指导下，通过对比分析、实证分析等方法，对平安保险公司的保险资金运用与风险控制提出合理建议和解决对策，包括完善投资管理组织结构、实施合适的投资组合策略、提高保险资金投资风险控制技术、优化风险控制管理架构、加强保险资金风险控制人才培养等措施。

    In recent years, with the rapid development of China's national economy, the insurance industry has also made considerable development and progress. Not only the large state-owned insurance enterprises have achieved good benefits and social impact, but also the number of joint-stock insurance companies has increased rapidly. Foreign insurance companies also attach great importance to the Chinese market and have entered the Chinese market one after another. However, in the process of rapid development, domestic insurance companies also exposed some problems in the use of funds, resulting in the low rate of return of insurance funds and the low level of risk management and control, which affected the healthy development of insurance companies. Therefore, it is of great significance to improve the level of insurance fund utilization and risk management for the sustainable and healthy development of domestic insurance enterprises.

    In this paper, under the guidance of the relevant theory of insurance fund utilization, the author analyzes the current situation of domestic and foreign insurance companies' fund utilization. Taking Ping An insurance company as an empirical case, the author analyzes the current situation of its fund utilization and risk management. It is found that Ping An is not only affected by the macro policy, but also has some problems, such as backward risk control means, poor risk management and so on Risk control organization is unreasonable, risk control mechanism is not perfect, and lack of professional insurance fund management talents. Under the guidance of relevant theories and advanced experience of insurance companies at home and abroad, through comparative analysis, empirical analysis and other methods, this paper puts forward reasonable suggestions and Countermeasures for the use of insurance funds and risk control of Ping'an Insurance Company, including improving the organizational structure of investment management, implementing appropriate portfolio strategy, improving the risk control technology of insurance funds investment, improving the risk control technology of insurance funds investment Optimize the risk control management structure, strengthen the insurance fund risk control personnel training and other measures.