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20 0 1年我国保险市场受到了证券市场暴跌的影响 ,证券投资基金收益波动极大。 2 0 0 2年保险资金的投资形势将更加严峻 ,虽然涉足稳健投资领域的资金总规模继续快速增长 ,但可投资的领域相对有限 ,另外 ,降息预期也将导致固定收益市场的回报率降低 ,基金市场表现可能还会弱于大盘 ,波动性增大 ,总体回报率也会明显下降。因此 ,在看到严峻形势的同时 ,我们也应该对保险投资持乐观态度 ,因为 ,我国加入WTO后 ,保险与资本市场的融合进度明显加快 ,尤其是资金运用的改革 ,以及投资渠道的进一步拓宽。
The insurance market in our country was affected by the slump in the securities market in 2011, and the return on securities investment funds fluctuated greatly. The investment situation of insurance funds will be even more severe in 2002. Although the total amount of funds involved in steady investment continues to grow rapidly, the investment-enabled areas are relatively limited. In addition, the expected rate cut will also lead to a lower rate of return in the fixed-income markets, Fund market performance may be weaker than the broader market, increased volatility, the overall return will be significantly decreased. Therefore, while seeing the grim situation, we should also be optimistic about insurance investment because after China’s accession to the WTO, the progress of the integration of insurance and capital markets has accelerated noticeably. In particular, the reform of capital utilization and the further expansion of investment channels .