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中国人保控股公司资金运用及风险控制分析

【作者】 戴志辉

【导师】 赵守国;

【作者基本信息】 西北大学 , 工商管理, 2003, 硕士

【摘要】 随着我国正式加入世界贸易组织,中国巨大的市场潜力使外资保险公司参与中国保险市场的意愿和信心逐渐加强,外资保险公司已开始大规模的进入中国保险市场。随着竞争主体的不断加入,这几年中国人保控股公司(以下简称中国人保)的保费收入在整个保险业的份额却逐年递减,再加上保险市场的激烈竞争,承保业务的盈利能力逐年下降,中国人保的经营将面临严峻的考验。为此,中国人保需要突破原有的经营思路,在资金运用方面加大力度,提高资金运用能力和效益,通过资金运用的收益来弥补传统业务的不足,成为公司新的利润增长点,提高公司的经济实力。 本文通过介绍国外保险公司的发展和演进过程,了解国外保险公司在资金运用的发展历程,可以从中借鉴其成功的经验找出其不足以利于指导我国保险业的健康发展。通过分析国外保险公司和中国人保在资金运用方面的实际情况,找出我们在保险资金运用中存在的问题和不足,以及在市场竞争和资金运用中存在的不利因素,对中国人保保险资金运用的风险控制模式进行了设计,提出了保险资金运用管理新模式以及如何强化保险资金运用的比例控制,在研究过程中引用了资本资产定价模型找出保险资金运用的最优组合。根据中国人保的实际情况,提出了保险资金运用风险控制的配套条件与对策,提出了保险资金运用的新思路,同时需要进一步加强对相关政策的研究和复合型人才的培养力度。通过分析得出中国人保应该加强保险资金运用的研究,提高保险资金运用能力。同时应通过建立风险控制机制,降低保险资金运用的风险并加强相关的配套政策研究。

【Abstract】 With China’s entry into WTO, foreign-funded insurance companies are more willing and confident to participate into the potential market of China with large scale. Recent years, with more competitors enter into the market, the ratio of premium revenue of PICC-controlled Company (hereinafter PICC) to that of the whole industry gradually decreased. Furthermore more intensive competition decreases the profit level, which means PICC is faced with serious challenge. Therefore, PICC should break through the old operation pattern and strengthen the utilization of capital to increase the utility and ability of utilizing capital, by which the shortage of the traditional businesses can be compensated by the return from capital utilization and the new origin of profit is cultivated.This article introduces the development history of foreign insurance companies using capital and tries to enlighten the development for the Chinese insurance companies. It aims at finding the shortage and disadvantageous factors existing in the market competition and capital utilization for Chinese insurance companies and designs the risk control model for PICC. The new model of insurance capital management and how to emphasize the control of utilization ratio are put forward. In the research process, the capital-asset model of price-fix is used to find the optimal portfolio. On the basis of the fact of PICC, the corresponding conditions and counter-measures and the new idea of using insurance capita are also raised. It is pointed out that it is necessary to analyze related policies and cultivate multiple talents. Through analysis, it is concluded that PICC should focus on the research of how to take the advantage of insurance capital and increase the relative ability. Meanwhile, the risk-control mechanism should be established to decrease the risk the utilization of insurance capital and strengthen the study oncorresponding policies.

【关键词】 保险公司资金运用风险控制
【Key words】 Insurance companyCapital utilizationRisk control
  • 【网络出版投稿人】 西北大学
  • 【网络出版年期】2004年 04期
  • 【分类号】F842.3
  • 【下载频次】232
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