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战略性资产配置是指确定最能满足投资者风险/回报率目标的资产比例分配的过程。非寿险公司的战略性资产配置必须与非寿险资金特性相匹配,实施资产负债管理,体现其风险收益偏好。国际非寿险公司的战略资产配置结构表现出鲜明特色,积累了丰富经验。国内非寿险公司在借鉴国际经验的同时,还应注意国内宏观环境带来的特殊制约。
Strategic asset allocation refers to the process of determining the proportion of assets that best meets the investor’s risk / return target. The non-life insurance company’s strategic asset allocation must match the characteristics of non-life insurance funds, and implement asset-liability management, reflecting its risk-return preference. The structure of strategic asset allocation of international non-life insurance companies has shown distinctive features and accumulated rich experience. Domestic non-life insurance companies, while referring to international experience, should also pay special attention to the special constraints brought by the domestic macro-environment.