中国保险产业资金运用安全研究

发布时间：2018-05-09 07:54

本文选题：保险产业 + 保险资金　；参考：《北京交通大学》2017年博士论文

【摘要】：保险业已经成为现代金融产业重要的分支,近年来关于金融产业安全的研究过程中,通常将证券业、银行业以及资本市场等作为研究重点,对保险产业安全的重视程度相对不足。在保险产业的安全体系中,产业资金运用安全是核心问题,这是由于保险业资金运用安全既涉及保险业自身安全,也涉及社会环境的安全与稳定发展。改革开放后,中国保险业取得了长足的发展,但是在管理及资金运用方面尚存在诸多问题。本文系统研究了保险产业的资金运用,通过对保险资金运用的发展历程与现状的全面剖析,提出资金运用的本质规律和监管要求,探求市场化改革的方向,探讨加快监管方式的转变,建立更为有效的风险监控和预警系统。本文运用产业经济学的基本观点,结合产业安全与风险管理理论,提出保险产业资金安全的概念,界定内涵和外延,建立了评价保险产业资金运用安全的基本体系。本研究以经济学视角,通过对保险业资金运用安全现状的讨论,既分析了其所面临的资金运用政策开放,保险业务偏离,产业经济的不确定性,各类风险的复杂性和关联性等方面的挑战,也洞悉了保险资金运用收益降低,结构存在失衡,资金管理机构缺乏市场竞争力等问题,并以此为基础,运用VaR模型,利用中国宏观经济数据予以估证,再结合美国、英国、德国、日本维护保险业资金运用安全经验基础上,构建了保险产业资金运用安全预警系统,并促进了我们维护保险产业资金运用安全对策建议。本文主要内容如下。第一章导论,主要阐释了中国保险产业资金运用安全选题提出和研究的理论与实践意义。梳理了中国保险产业资金运用安全的国内外研究现状,阐释了本论文研究的对象、界定了基本概念。第二章是理论基础与文献综述部分,本文建立在产业安全理论和金融监管与金融产业安全等理论基础上,并分析了产业安全理论研究的中国范式,最后梳理了保险产业资金运用的国际国内文献,并进行了一定程度的评述。第三章分析了中国保险产业资金运用的历史发展与现状。重点研究中国保险产业资金运用的历史发展与经验、保险产业资金运用的现状、保险产业资金运用的主要特征以及面临的主要难题。第四章探讨、分析和建构中国保险产业资金运用的机制问题。重点研究中国保险产业资金运用的方式、风险管理及相关法律法规的发展与特征。第五章在VaR系统的基础上,全面论述并实证分析了保险业风险管理及资金安全运用;以及投资安全及风险度量,以及保险业最优资金分配和监管经验。第六章研究保险产业资金运用的国际经验。对美国、英国、德国和日本在保险产业资金运用的主要模式、主要特点和政府管理进行了分析。并对美国、英国、德国、日本发等发达国家保险资金运用主要做法中国化路径进行研究。第七章对中国保险资金运用的风险进行评价和预警。从保险资金运用率、保险资金运用结构和保险资金运用盈利率角度对保险资金运用进行风险评价,对保险产业风险预警进行了数值模拟。并在风险管理和资金监管方面进行实证研究,建立了中国保险产业风险评价模型与保险资金运用安全系统。第八章从制度建设层面对中国保险产业资金运用进行研究和分析。分别从政府监管、法律法规监管和市场体制等层面对中国保险产业资金运用进行宏观和微观设计。本文从产业安全理论和风险管理理论对中国保险资金运用安全研究,系统研究了中国保险产业资金运用的安全问题。本文的研究成果,可为相关的实务工作者、理论工作者和政策制定者提供经验借鉴。
[Abstract]:The insurance industry has become an important branch of the modern financial industry. In the course of the research on the security of the financial industry in recent years, the securities industry, the banking industry and the capital market are usually taken as the research emphasis, and the security of the insurance industry is relatively insufficient. In the security system of the insurance industry, the safety of industrial funds is the core problem, This is due to the safety of the insurance industry, which involves both the safety of the insurance industry and the security and stability of the social environment. After the reform and opening up, China's insurance industry has made great progress, but there are still many problems in the management and the use of funds. This paper systematically studies the use of funds in the insurance industry and through the insurance funds. A comprehensive analysis of the development process and current situation of gold transportation is made, the essential law and supervision requirements of the use of funds are put forward, the direction of the market-oriented reform is explored, the transformation of the mode of supervision is discussed, and a more effective risk monitoring and early warning system is established. The concept of the security of the insurance industry is given, the connotation and extension are defined, and the basic system to evaluate the safety of the insurance industry is set up. This study, through the economic perspective, discusses the current situation of the security of the insurance industry, and analyzes the policy opening, the deviation of the insurance business and the uncertainty of the industrial economy. The challenges of the complexity and relevance of all kinds of risks also understand the problems of the lower income of insurance funds, the unbalance of the structure and the lack of market competitiveness of the fund management institutions. On the basis of this, the VaR model is used to estimate the Chinese macro-economic data, and the insurance funds are maintained in the United States, Britain, Germany and Japan. On the basis of the safety experience of Jinyun, the security early-warning system for the use of funds in the insurance industry is constructed, and the suggestions for the safety of the insurance industry are promoted. The main contents of this paper are as follows. The first chapter is introduction, which mainly explains the theoretical and practical significance of the security selection and research of the insurance industry in China. The research status of the safety of Chinese insurance industry in the use of safety at home and abroad has been explained and the basic concepts are defined. The second chapter is the theoretical basis and literature review. This article is based on the theory of industrial safety and financial supervision and the safety of financial industry, and analyzes the Chinese model of the theory of industrial safety. At last, the international and domestic literature of the insurance industry funds were combed, and a certain degree of review was carried out. The third chapter analyzed the historical development and present situation of the use of funds in China's insurance industry. The historical development and experience of the use of funds in the insurance industry in China, the current situation of the use of insurance funds and the application of the insurance industry funds were emphasized. The main characteristics and the main problems faced. The fourth chapter analyzes and constructs the mechanism of the use of funds in China's insurance industry. It focuses on the way of the use of funds in China's insurance industry, the development and characteristics of risk management and related laws and regulations. The fifth chapter comprehensively expounds and empirically analyses the insurance industry on the basis of the VaR system. Risk management and the use of capital security; and investment safety and risk measurement, and the experience of the optimal allocation and supervision of the insurance industry. The sixth chapter studies the international experience in the use of funds in the insurance industry. The main models, main characteristics and government management of the insurance industry in the United States, Britain, Germany and Japan are analyzed. In the seventh chapter, the risk of the use of insurance funds in China is evaluated and early-warning. The risk assessment is made on the use of insurance funds, the use structure of insurance funds and the profit interest rate of insurance funds, and the protection of insurance funds. The risk early warning of risk industry is simulated, and the empirical research on risk management and fund supervision is carried out. The risk assessment model of China Insurance Industry and the safety system of insurance funds are established. The eighth chapter is studied and analyzed in the face of the application of the Chinese insurance industry from the system construction level. In the face of the macro and micro design of China's insurance industry, this paper studies the safety of China's insurance funds using the theory of industrial safety and the theory of risk management, and studies the security problem of the use of funds in China's insurance industry. The research results of this paper can be used as the relevant practical workers and theories. Workers and policymakers provide experience.

【学位授予单位】：北京交通大学
【学位级别】：博士
【学位授予年份】：2017
【分类号】：F842

【参考文献】