我国保险资金运用的最佳投资比例研究
发布时间：2019-01-07 14:21
【摘要】：随着我国保险业的迅猛发展，保险资金运用规模也快速提高，由2004年的1078亿元迅速增加到2010年的4605亿元，增长了大约4倍，面对巨额的保险业资金，如何运用好这些资金，并实现保险资金的保值增值，这对提高资金使用效率，增强整体盈利能力具有重要作用，也是发展我国保险市场的关键举措。 本文在我国保险资金运用现状的基础上，认真比较了目前通行的三种研究保险投资比例的模型，最后运用考虑承保风险的投资比例模型，通过查询国内外相关行业的研究成果，构建保险资金投资的最优比例模型，对保险资金的投资比例进行实证分析。 通过研究，得出我国保险资金的最佳投资比例，，并进而对我国保险资金的运用提出建议。
[Abstract]:With the rapid development of the insurance industry in our country, the use scale of the insurance fund is also increased rapidly, which is increased by about 4 times from the value of 107.8 billion yuan in 2004 to the amount of 4605 billion yuan in 2010, and the value of the insurance fund is increased, This has an important role in improving the efficiency of capital use and enhancing the overall profitability. It is also a key measure to develop the insurance market in our country. On the basis of the current situation of the use of insurance funds in China, this paper makes a careful comparison of the three models of the investment proportion of insurance investment, and finally, using the investment proportion model which takes into account the underwriting risk, through the inquiry into the research of the relevant industries at home and abroad The optimal proportion model of insurance fund investment is constructed, and the investment proportion of insurance fund is analyzed. Through the study, the best investment proportion of China's insurance fund is obtained, and the use of insurance funds in China is further improved.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842;F840.4
本文编号：2403768
[Abstract]:With the rapid development of the insurance industry in our country, the use scale of the insurance fund is also increased rapidly, which is increased by about 4 times from the value of 107.8 billion yuan in 2004 to the amount of 4605 billion yuan in 2010, and the value of the insurance fund is increased, This has an important role in improving the efficiency of capital use and enhancing the overall profitability. It is also a key measure to develop the insurance market in our country. On the basis of the current situation of the use of insurance funds in China, this paper makes a careful comparison of the three models of the investment proportion of insurance investment, and finally, using the investment proportion model which takes into account the underwriting risk, through the inquiry into the research of the relevant industries at home and abroad The optimal proportion model of insurance fund investment is constructed, and the investment proportion of insurance fund is analyzed. Through the study, the best investment proportion of China's insurance fund is obtained, and the use of insurance funds in China is further improved.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842;F840.4
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