【摘要】：隨著我國(guó)保險(xiǎn)業(yè)的迅猛發(fā)展，保險(xiǎn)資金運(yùn)用規(guī)模也快速提高，由2004年的1078億元迅速增加到2010年的4605億元，增長(zhǎng)了大約4倍，面對(duì)巨額的保險(xiǎn)業(yè)資金，如何運(yùn)用好這些資金，并實(shí)現(xiàn)保險(xiǎn)資金的保值增值，這對(duì)提高資金使用效率，增強(qiáng)整體盈利能力具有重要作用，也是發(fā)展我國(guó)保險(xiǎn)市場(chǎng)的關(guān)鍵舉措。 本文在我國(guó)保險(xiǎn)資金運(yùn)用現(xiàn)狀的基礎(chǔ)上，認(rèn)真比較了目前通行的三種研究保險(xiǎn)投資比例的模型，最后運(yùn)用考慮承保風(fēng)險(xiǎn)的投資比例模型，通過(guò)查詢國(guó)內(nèi)外相關(guān)行業(yè)的研究成果，構(gòu)建保險(xiǎn)資金投資的最優(yōu)比例模型，對(duì)保險(xiǎn)資金的投資比例進(jìn)行實(shí)證分析。 通過(guò)研究，得出我國(guó)保險(xiǎn)資金的最佳投資比例，，并進(jìn)而對(duì)我國(guó)保險(xiǎn)資金的運(yùn)用提出建議。
[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.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842;F840.4

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