近年来,我国保险业资金积累迅速,而保险资金的合理运用是保险公司盈利的关键所在。国外保险业发展的经验证明,保险投资是保险资金运用的有效方式。本文通过对我国保险投资情况的阐述,分析了现阶段我国保险投资渠道和投资收益存在主要问题,并从风险控制、机制运作等方面提出了有效的解决方案。 In recent years, China’s rapid accumulation of funds in the insurance industry, and the rational use of insurance funds is the key to the profitability of insurance companies. The experience of foreign insurance industry proves that the insurance investment is an effective way to apply insurance funds. Based on the exposition of the insurance investment in our country, this paper analyzes the main problems of the insurance investment channel and the return on investment in our country and puts forward the effective solutions from the aspects of risk control and mechanism operation.