保险资金运用法律制度研究

保险资金的有效运用,在现代保险业乃至金融业的发展上,都具有重要的意义。现阶段我国由于缺乏法律上的严格规范,出现盲目投资,形成大量不良资产,产寿险资金混用,投资效率低下,造成保险业经营困难。各国保险资金运用规范。我国应允许保险资金运用于优质的公司债券、股票、不动产等,将比例限制引入保险法律之中。建立完善的保险资金管理体系,以法律规范行为完善资金管理体系和监管体系。

Research about the Legal System of How to Use the Insurance Fund

How to use the insurance fund effectively is very important in insurance and finance today. Due to the lack of strict rules, there are many problems in our country, such as, slow asset come from blind investment, the mixture of product insurance and life insurance and the inefficient investment. All these lead to the difficulty of insurance. Rules about the use of insurance fund in other countries. In our country, insurance fund should be invested into fine bond, stock and real property, and so on. The limit about the proportion should be introduced into the law of insurance. We should set up the whole administerial system of insurance fund, use law to rule and consummate the fund manage system and supervising system.