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保险公司应把安全性作为保险资金运用的第一原则。所谓安全性,就是要求保险资金的运用,以确保偿付能力为目的,以资产负债管理为核心。在国外,保险资金投向最多的是长期国债、房屋抵押贷款、收益稳定的基础建设投资等。而保险资金投资于证券的主要目的也不是为了获得高收益,而是作为一种分散投资风险的方式,更多地是为资金的安全性而不是收益性服务的。例如,在利率上升的情况下,固定收益债券会贬值,而股权投资却可以抵御这种利率风险,从而确保整个公司的资产价值不因为利率变动而变动。强调安全性,就必须建立完善的风险管理机制。从保险公司来看,保险资金直接入市,要求保险公司不断提高投资管理水平,增强投资运作能力,建立科学的投资决策机制,健全风险管理体系,完善内部控制制度,构建能适合自身需要的投资组合,这对保险公司的风险控制能力提出了考验。
Insurance companies should use safety as the first principle for the use of insurance funds. The so-called security, is to require the use of insurance funds, in order to ensure solvency for the purpose of asset and liability management as the core. In foreign countries, the largest investment in insurance funds is long-term government bonds, home equity loans, and stable income-earning infrastructure investment. The main purpose of insurance funds invested in securities is not to obtain high returns, but rather as a way to diversify investment risks, more for the sake of financial security than for profitability. For example, fixed-income bonds devalue as interest rates rise, while equity investments protect against this interest rate risk, ensuring that the entire company’s asset value does not fluctuate because of changes in interest rates. Emphasis on security, we must establish a sound risk management mechanism. From the insurance company point of view, the insurance funds directly into the market, requiring insurance companies to continuously improve the level of investment management, investment and operational capacity to enhance and establish a scientific investment decision-making mechanism, improve the risk management system, improve the internal control system and build a portfolio that suits its needs , Which put the risk control ability of the insurance company put forward.