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1寿险资金投资股市的必要性1.1急速增长的保费收入要求寿险公司扩大投资范围从2000年以来我国保费收入一直保持着高速的增长,其中寿险保费收入也增长迅猛,其平均增长率保持在28%左右。2001年底,全国寿险保费收入达1424亿元,占全国保费收入的67.52%。寿险公司负债经营是寿险公司的一大特征。寿险保费收入的扩大也代表着负债规模的扩大。这就要求寿险资金投资要保持一定的收益性,这样才能保证寿险公司的偿付能力。而我国保险资金的运用一直局限在银行存款和国债上,远远满足不了寿险资金对收益性的要求。
The need for life insurance funds to invest in the stock market 1.1 Rapid growth of premium income requirements Life insurance companies to expand investment range Since 2000, China’s premium income has maintained rapid growth, including life insurance premium income also increased rapidly, the average growth rate remained at 28% about. By the end of 2001, the national life insurance premium income reached 142.4 billion yuan, accounting for 67.52% of the national premium income. Life insurance companies liability management is a major feature of life insurance companies. The expansion of life insurance premium income also represents the expansion of debt scale. This requires investment in life insurance funds to maintain a certain profitability, so as to ensure the solvency of life insurance companies. The use of insurance funds in China has been limited to bank deposits and bonds, far from satisfying the profitability of life insurance funds.