保险资产管理公司业务发展研究
发布时间：2018-07-25 07:21
【摘要】：2012年,保监会陆续推出13项保险资金投资新政策(以下简称“保险投资新政”),“保险投资新政”极大的促进了保险资产管理行业和保险资产管理机构的发展。保险资产管理公司迎来了良好的发展机会,将从过去封闭、单一、被动的发展业务转向开放、全面、主动的资产管理业务,从单纯的账户管理转向账户管理与产品管理并举,从单纯的管理保险公司内部资金转向管理内部资金与第三方资金并举；从被动的负债驱动转向资产负债管理,从行业内竞争转向金融业跨界竞争,多元化、国际化将成为保险资产公司发展的新趋势。 以此背景下,本文以“保险资产管理公司业务发展研究”为选题,旨在探讨如下几个方面的问题：第一,“保险投资新政”实施两年多来,对保险资产管理行业的具体影响是怎样的?第二,在“保险投资新政”背景下,保险资产管理公司未来的发展方向如何?第三,在全球以及国内大资产管理行业快速发展的背景下,保险资产管理公司的内部能力建设方面还有哪些需要加强的地方?对于监管部门的政策调整还有哪些建议和期待? 通过对上述问题的探讨,对保险资产管理公司的发展提出了一些建议：通过提高投资能力、加强保险资管产品创新和提高风险管控能力,来提升保险资产管理公司全面资产管理能力;同时建议监管机构进一步放开监管政策,使保险资管公司能更好的开展全面资产管理业务。在金融改革的大背景下,我国保险资产管理公司应充分把握发展契机,把保险资产管理做大做强。保险资产管理公司将成为中国保险业的健康发展的不可或缺的重要力量,同时也会成为中国金融业的重要生力军。
[Abstract]:In 2012, CIRC introduced 13 new policies on the investment of insurance funds (hereinafter referred to as "the new policy of insurance investment"), which greatly promoted the development of the insurance asset management industry and the insurance asset management institutions. The insurance asset management company has ushered in a good development opportunity. It will change from closed, single and passive development business to open, comprehensive and active asset management business, from simple account management to account management and product management. From pure management of internal funds of insurance companies to management of internal funds and third party funds, from passive debt-driven to asset-liability management, from intra-industry competition to cross-border competition in the financial industry, diversification, Internationalization will become a new trend in the development of insurance assets companies. Under this background, this article takes "the insurance asset management company business development research" as the topic, aims to discuss the following several aspects questions: first, the "insurance investment new policy" has been implemented for more than two years. What is the specific impact on the insurance asset management industry? Second, in the context of the "New deal on Insurance Investment", what is the future development direction of insurance asset management companies? Third, in the context of the rapid development of the global and domestic large asset management industry, what aspects of internal capacity-building of insurance asset management companies need to be strengthened? What are the suggestions and expectations for regulatory policy adjustment? Through the discussion of the above problems, some suggestions are put forward for the development of the insurance asset management company: to improve the investment ability, to strengthen the innovation of the insurance capital management products and to improve the risk management ability. At the same time, it is suggested that regulators should further liberalize the regulatory policy so that insurance asset management companies can better carry out comprehensive asset management business. Under the background of financial reform, China's insurance asset management companies should fully grasp the opportunity of development and make the management of insurance assets bigger and stronger. The insurance asset management company will become an indispensable and important force for the healthy development of China's insurance industry as well as an important new force for the Chinese financial industry.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F842.3
本文编号：2143060
[Abstract]:In 2012, CIRC introduced 13 new policies on the investment of insurance funds (hereinafter referred to as "the new policy of insurance investment"), which greatly promoted the development of the insurance asset management industry and the insurance asset management institutions. The insurance asset management company has ushered in a good development opportunity. It will change from closed, single and passive development business to open, comprehensive and active asset management business, from simple account management to account management and product management. From pure management of internal funds of insurance companies to management of internal funds and third party funds, from passive debt-driven to asset-liability management, from intra-industry competition to cross-border competition in the financial industry, diversification, Internationalization will become a new trend in the development of insurance assets companies. Under this background, this article takes "the insurance asset management company business development research" as the topic, aims to discuss the following several aspects questions: first, the "insurance investment new policy" has been implemented for more than two years. What is the specific impact on the insurance asset management industry? Second, in the context of the "New deal on Insurance Investment", what is the future development direction of insurance asset management companies? Third, in the context of the rapid development of the global and domestic large asset management industry, what aspects of internal capacity-building of insurance asset management companies need to be strengthened? What are the suggestions and expectations for regulatory policy adjustment? Through the discussion of the above problems, some suggestions are put forward for the development of the insurance asset management company: to improve the investment ability, to strengthen the innovation of the insurance capital management products and to improve the risk management ability. At the same time, it is suggested that regulators should further liberalize the regulatory policy so that insurance asset management companies can better carry out comprehensive asset management business. Under the background of financial reform, China's insurance asset management companies should fully grasp the opportunity of development and make the management of insurance assets bigger and stronger. The insurance asset management company will become an indispensable and important force for the healthy development of China's insurance industry as well as an important new force for the Chinese financial industry.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F842.3
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