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1、1内 容 摘 要世界经济、金融一体化进程的加快，一方面为中国保险业走向国际化提供了 机遇，另一方面给白国保险业带来了巨大的挑战。自1980年恢复保险业务以来， 我国保险业每年以35%的速度递增，2005年底我国保险业的保费收入余额达 4927. 3亿元，保险业总资产达1.5万亿元，保险业在整个金融体系中的地位日 益突出。如何拓宽保险投资渠道，实现保险资金与资本市场的对接，是摆在保险 业、证券业乃至整个中国金融界的一个现实问题。保险业发达国家的实践表明，保险公司是资本市场最重要的参与者之一，而 资本市场也R益成为保险业重要的利润来源之一。与发达国家相比，中国保险业 与资本市场都处于起步阶段，随着
2、金融市场的不断发展，保险业的投融资功能日 渐明显，投资收益将成为中国保险业弥补亏损、提高偿付能力的重要支柱。目前， 保险资金已获准进入证券市场、参与基础设施建设和投资不动产，投资的多元化 使保险业面临的投资风险急剧增加。因此，从宏观监管和微观管理的层面加强保 险投资的风险控制，建立和完善保险业的投资风险管理体系，对于保险公司提高 投资效益、增强偿付能力具有重要的意义。国外学界对保险业投资风险的问题进行了诸多有价值的研究，这些成果推动 了保险投资业务的发展。相对而言，国内对保险投资风险研究则非常缺乏。本文 对保险投资的风险及其控制措施进行了较为深入的研究。本文在保险投资风险识别的基础上，分析了保
3、险投资风险是如何对保险投资 形成冲击的，以及这些风险产生的原因，进而提出了测度保险投资风险的方法及 风险控制措施。全文分四个部分进行论述：引言：介绍本文的选题背景与研究意义；介绍本文的主要架构和主要研究内 容；说明本文的主要创新点和研究方法。第一章：保险投资的理论综述。介绍保险投资基本概念，以及保险投资概念 的界定；说明保险投资的客观必然性；简要介绍并评述国内外研究进展；分析我 国保险投资的历史沿革，评述我国保险投资的现状。第二章：保险投资风险分析及其控制措施。本文首先介绍保险投资风险识别 与性质，进而概括出保险投资的主要风险（利率风险、信用风险、流动性风险)；其次从微观的角度论述利率风险、信
4、用风险和流动性风险产生的原因，如何测度 保险投资的风险，进而提出控制保险投资风险的技术措施。本章分三节分别论述 保险投资的这三种主要风险。第三章：进一步完善保险投资风险控制机制。本章从宏观角度介绍完善保险 投资风险控制的措施：分阶段拓宽保险投资的渠道、建设完善保险投资机制（专 业化的管理理念、专业化投资人才建设、完善的保险投资风险控制流程)、保险 投资的环境建设（资本市场体系建设、QDII制度建设、保险监管法律法规建设） 等措施。第四章：总结与展望。对全文的研究内容进行总结，在此基础上提出今后的研究方向关 键 词 ： 保 险 投 资 保 险 投 资 风 险 保 险 投 资 风 险 控 制保险投
5、资机制保险投资监管3srABSTRACTThe acceleration of the unification process of the world economy and finance, onone hand，provides a chance for Chinas insurance industry to go intointernationalization, but on the other hand, it also brings about a great challenge to Chinas insurance industry. Since the insurance
6、 industry was restored in 1980, our countrys insurance business has increased at the speed of 35% every year. In the late 2005，the income from insurance fees of our countrys insurance industry reached 492.73 billion RMB and the total assets of insurance industry reached 1500 billion RMB. Definitely,
7、 the status of the insurance industry in the whole financial system is becoming prominent day by day. Therefore, how to broaden the insurance investment channel, and achieve the proper links between the insurance funds and the capital market, is a realistic issue confronting the insurance industry,
8、the negotiable securities industry and even the whole Chinese financial circle.The practice in those countries that have developed insurance industry demonstrates that the insurance company is one of the most important participators in the capital market, and the capital market has gradually become
9、one of the important sources of profits for the insurance industry. Compared with the developed countries, ChinaJs insurance industry and capital market are both in the primary stage. With the increasing development of the financial market, the functions of the investment and merging capital of the
10、insurance industry have become gradually evident; the investment profits will become the important supporting pillar of the Chinese insurance industry to compensate for deficits and enhance paying-back capacity. Currently, the insurance funds have been allowed into the negotiable securities market,
11、involved in the construction of the infrastructure and the investment of the real estate, and the poly-investment makes the investment risk faced by the insurance industry increase dramatically. Thus, reinforcing the risk control on the insurance investment on the levels of macro-regulation and micr
12、o-management, and establishing and completing the management system of the investment risk of the insurance industry4/are very significant for the insurance company to increase the investment profits and enhance the paying-back capability.The foreign academic circles have carried out a good deal of
13、valuable research into the problems of the investment risk of the insurance industry, and these achievements have contributed to push forward the development of the business of the insurance investment. However, such research is comparatively very short in China on the insurance investment risk. Thi
14、s paper conducts deeply research into the insurance investment risk and its controlling measures.This paper, on the basis of the risk recognition of the insurance investment, analyzes how the insurance investment risks form attack on the insurance investment, and how these risks come about, and furt
15、her proposes the ways of measuring the insurance investment risk and the risk-control measures. The paper is composed of four parts:Introduction: introducing the background of the choice for the thesis and the research significance; introducing the frame of the paper and the main contents; introduci
16、ng the chief creative points and the research methodology.Chapter 1: the theoretical general introduction of the insurance investment. Introducing the basic conceptions of the insurance investment and the boundary of the conceptions of the insurance investment; stating the necessity of the insurance investment; briefly introducing and reviewing the research conditions in the internal and external country; analyzing the evolution of our countrys insurance investment, commenting on the pre
