中国保险基金的困境及其出路

当前，我国保险业又一次面临着巨大危机和困境，保险资金投资渠道狭窄，投资方式、投资工具单一，难以支持我国保险业全面应对加入WTO后年资保险公司纷至沓来的局面。中国保险基金必须加快和更大规模地进入资本市场，这既是保险业摆脱困境的必然选择和唯一出路，更是中国金融市场体系得以完善的必然要求和客观规律。中国证券市场、特别是股票市场当前还存在严重缺陷，保险基金大规模贸然入市风险很大。中国保险基金进入资本市场的途径主要有：成立各种形式的投资基金，大规模增加购买企业债券，提高购买金融债券和国债的比重等。

The Dilemma of Chinese Insurance Fund and the Countermeasure of Throwing it off

This thesis discusses the status of Chinese insurance and the crisis it is facing first. It then expounds from three aspects that the Chinese insurance fund should be accelerated to enter the capital market rapidly in a larger scale, which is not only the necessary choice of Chinese insurance throwing off the dilemma, but also the certain requirement and objective regulation to establish a complete finance market system in China. Finally this thesis proposes six viable ideas of how Chinese insurance enters the current stock market after analyzing the defects of chinas stock market.