中国保监会已允许保险资金直接投资股市比例由原来的不超过上年末总资产的5%提高到10%。逐步放宽保险资金直接入市比例也成为一种必然的趋势。分析国外保险公司资本构成的差异和特点,对于我国保险公司入市资金的安全性与有效性具有参考价值。 China Insurance Regulatory Commission has allowed the proportion of insurance funds directly invested in the stock market from the original not more than 5% of the total assets of the previous year to 10%. It has also become an inevitable trend to gradually relax the proportion of insurance funds entering the market. The analysis of the differences and characteristics of the capital structure of foreign insurance companies has a reference value for the safety and effectiveness of the insurance funds entering the market in our country.