我國(guó)保險(xiǎn)資金運(yùn)用與風(fēng)險(xiǎn)管理存在的問題及對(duì)策

1、畢業(yè)論文I摘要隨著我國(guó)市場(chǎng)經(jīng)濟(jì)的發(fā)展和體制改革的深化，保險(xiǎn)業(yè)在金融業(yè)乃至于在整個(gè)國(guó)民經(jīng)濟(jì)中的地位日益重要，保險(xiǎn)的功能和作用將得到越來越廣泛的發(fā)揮，他將滲透到經(jīng)濟(jì)的各個(gè)行業(yè)、領(lǐng)域、生活的各個(gè)方面。而資金運(yùn)用是保險(xiǎn)行業(yè)的核心業(yè)務(wù)，沒有資金運(yùn)用就等于沒有保險(xiǎn)業(yè)。保險(xiǎn)行業(yè)存在的主要目標(biāo)是風(fēng)險(xiǎn)轉(zhuǎn)移，保費(fèi)是風(fēng)險(xiǎn)轉(zhuǎn)移的價(jià)格，但由于市場(chǎng)競(jìng)爭(zhēng)，使得這個(gè)價(jià)格往往不夠支付轉(zhuǎn)移成本，所以，沒有保險(xiǎn)資金運(yùn)用，保險(xiǎn)企業(yè)的經(jīng)營(yíng)是很難維持下去的。因此，研究保險(xiǎn)公司的資

2、金運(yùn)用，對(duì)保險(xiǎn)業(yè)的經(jīng)營(yíng)至關(guān)重要，而資金運(yùn)用的風(fēng)險(xiǎn)管理更是重中之重。關(guān)鍵詞關(guān)鍵詞：保險(xiǎn)業(yè)；資金運(yùn)用；風(fēng)險(xiǎn)管理XXXX大學(xué)目錄摘要................................................................................................................................IAbstract....................

3、..............................................................................................................II1緒論.........................................................................................................

4、.....................11.1研究背景..............................................................................................................11.1.1經(jīng)濟(jì)增長(zhǎng)與中國(guó)保險(xiǎn)業(yè)發(fā)展.........................................................錯(cuò)誤錯(cuò)誤!未

5、定義書簽。未定義書簽。1.1.2制度變遷與中國(guó)保險(xiǎn)業(yè)發(fā)展.........................................................錯(cuò)誤錯(cuò)誤!未定義書簽。未定義書簽。1.2論文研究的目的和意義......................................................................................11.2.1研究目的.........

6、...................................................................................................................11.2.2研究意義...............................................................................................

7、.............................21.3國(guó)內(nèi)外研究現(xiàn)狀..................................................................................................21.3.1國(guó)外研究現(xiàn)狀......................................................................

8、...........................................21.3.2國(guó)內(nèi)研究現(xiàn)狀.................................................................................................................21.4論文研究方法..........................................

9、..............................................................22保險(xiǎn)資金運(yùn)用和風(fēng)險(xiǎn)管理的理論基礎(chǔ).........................................錯(cuò)誤錯(cuò)誤!未定義書簽。未定義書簽。2.1保險(xiǎn)資金的來源........................................................................

10、............................42.2保險(xiǎn)資金運(yùn)用的理論............................................................................................42.2.1資產(chǎn)負(fù)債理論...........................................................................

11、......................................22.2.2風(fēng)險(xiǎn)管理理論...................................................................................................................23主要發(fā)達(dá)國(guó)家保險(xiǎn)資金運(yùn)用的情況......................................

12、........錯(cuò)誤錯(cuò)誤!未定義書簽。未定義書簽。3.1美國(guó)的保險(xiǎn)資金運(yùn)用............................................................................................53.2英國(guó)的保險(xiǎn)資金運(yùn)用..............................................................................

13、.............63.3日本的保險(xiǎn)資金運(yùn)用...........................................................................................54我國(guó)保險(xiǎn)資金運(yùn)用與風(fēng)險(xiǎn)管理存在的問題..................................................................74.1當(dāng)前我國(guó)保險(xiǎn)資金運(yùn)用存在的

14、問題....................................................................74.2當(dāng)前我國(guó)保險(xiǎn)資金運(yùn)用監(jiān)管中存在的問題........................................................94.2.1監(jiān)管方式有待改進(jìn)..........................................................

15、.................................................24.2.2監(jiān)管手段有待完善...........................................................................................................24.2.3分業(yè)監(jiān)管的模式與金融開放的矛盾.............................

16、..................................................25我國(guó)保險(xiǎn)資金管理的對(duì)策............................................................................................105.1國(guó)際比較對(duì)中國(guó)保險(xiǎn)業(yè)資產(chǎn)負(fù)債管理的啟示與建議......................................

17、...........105.2完善我國(guó)保險(xiǎn)資金運(yùn)用風(fēng)險(xiǎn)控制的政策與建議..........................錯(cuò)誤錯(cuò)誤!未定義書簽。未定義書簽。結(jié)論..............................................................................................................................15參考文獻(xiàn).......

18、.......................................................................................................................16致謝.................................................................................................