保险业与资本市场可以形成一种良性互动关系 ,二者相互影响。保险公司作为从事风险经营的企业 ,面临许多风险 ,主要可以分为四类 ,即资产风险、定价风险、利率风险及其他风险。对于资产风险 ,应该主要考虑如何进行有效的信用分析和投资分析 ,如何进行投资组合 ,提高资产管理水平。我国保险投资政策在过去两年中发生了很大变化 ,但仍有一系列问题需要进一步研究。 The insurance industry and the capital market can form a kind of benign interaction, the two influence each other. As an enterprise engaged in risk management, an insurance company faces many risks and can be mainly classified into four categories: asset risk, pricing risk, interest rate risk and other risks. For asset risk, we should mainly consider how to conduct effective credit analysis and investment analysis, how to carry out investment portfolio, and improve the level of asset management. China’s insurance investment policy has undergone great changes in the past two years, but there are still a series of issues that need further study.