本文選題：保險(xiǎn)資金運(yùn)用 + 投資比例　； 參考：《吉林財(cái)經(jīng)大學(xué)》2014年碩士論文

【摘要】：保險(xiǎn)公司指的是銷售保險(xiǎn)合約、提供風(fēng)險(xiǎn)保障的公司，是金融三大支柱產(chǎn)業(yè)之一，，對(duì)國(guó)家宏觀經(jīng)濟(jì)的運(yùn)行有著重大意義。隨著經(jīng)濟(jì)的發(fā)展和人們保障意識(shí)的不斷提高，保險(xiǎn)業(yè)的春天也即將到來(lái)。然而，保險(xiǎn)業(yè)仍然處于“狼多肉少”的階段，各家保險(xiǎn)公司為了完成對(duì)市場(chǎng)的有效占有率，紛紛降低承保費(fèi)用同時(shí)加大營(yíng)銷成本，這些都導(dǎo)致了保險(xiǎn)業(yè)利潤(rùn)的減少。因此，僅僅依靠保費(fèi)收入實(shí)現(xiàn)公司盈利并非長(zhǎng)遠(yuǎn)之計(jì)，如何實(shí)現(xiàn)日益增長(zhǎng)的保險(xiǎn)資金余額的有效運(yùn)用才能為各司提供更多的收益。而我國(guó)的保險(xiǎn)資金的投資渠道有明文規(guī)定，需在銀行存款、債權(quán)、投資基金、股票、不動(dòng)產(chǎn)以及國(guó)務(wù)院規(guī)定的其他資金運(yùn)用形式中進(jìn)行投資，可是結(jié)果是其投資收益不僅與成熟的國(guó)際市場(chǎng)差距較大并且存在較大幅度的波動(dòng)性，因此，探討怎樣實(shí)現(xiàn)保險(xiǎn)資金投資收益的最大化的意義重大。 本文正是基于這一背景而展開深入的研究。本文從保險(xiǎn)投資的背景、意義和現(xiàn)有國(guó)內(nèi)外文獻(xiàn)出發(fā)，其次對(duì)保險(xiǎn)資金運(yùn)用的理論基礎(chǔ)加以闡述，再對(duì)所用的數(shù)據(jù)包絡(luò)分析方法（即DEA）做簡(jiǎn)單介紹，最后通過(guò)現(xiàn)有公司投資和收益數(shù)據(jù)，運(yùn)用模型得出最佳投資比例，并針對(duì)結(jié)果分析，對(duì)保險(xiǎn)資金投資提出可行性意見。
[Abstract]:Insurance company refers to the sale of insurance contracts, providing risk protection companies, is one of the three pillar industries of finance, which has great significance to the national macroeconomic operation. With the development of economy and the improvement of people's security consciousness, the spring of insurance is coming. However, the insurance industry is still in the stage of "the wolf is more than the meat". In order to complete the effective share of the market, insurance companies reduce the underwriting cost and increase the marketing cost one after another, which results in the decrease of the insurance profit. Therefore, it is not a long-term plan to only rely on the premium income to realize the profit of the company. How to realize the effective use of the increasing insurance fund balance can provide more benefits for the divisions. However, the investment channels of insurance funds in China are clearly stipulated that they should be invested in bank deposits, creditor's rights, investment funds, stocks, real estate and other forms of capital utilization prescribed by the State Council. However, the result is that the investment income is not only far from the mature international market, but also fluctuates to a large extent. Therefore, it is of great significance to explore how to realize the maximization of the investment income of insurance funds. This paper is based on this background to carry out in-depth research. Starting from the background, significance and existing literature of insurance investment, this paper expounds the theoretical basis of the use of insurance funds, and then introduces the data envelope analysis method (DEA). Finally, through the existing data of investment and income of the company, the best investment ratio is obtained by using the model, and the feasibility opinion on the investment of insurance funds is put forward according to the analysis of the results.
【學(xué)位授予單位】：吉林財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F224;F842

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 鄭慶寰,楊緒彪,王惠;借鑒國(guó)外經(jīng)驗(yàn)拓寬保險(xiǎn)資金投資渠道[J];商業(yè)研究;2004年22期

2 鄭偉,孫祁祥;論保險(xiǎn)投資的風(fēng)險(xiǎn)與管理[J];保險(xiǎn)研究;2001年03期

3 章曉霞;梁冰;;投資組合保險(xiǎn)策略在保險(xiǎn)公司中的應(yīng)用與實(shí)證分析[J];保險(xiǎn)研究;2008年04期

4 榮喜民,吳孟鐸,劉泊煬;保險(xiǎn)基金投資的單位風(fēng)險(xiǎn)收益最優(yōu)化模型研究[J];管理工程學(xué)報(bào);2001年02期

5 郭文旌;李心丹;;最優(yōu)保險(xiǎn)投資決策[J];管理科學(xué)學(xué)報(bào);2009年01期

6 李秀芳,李靜;中國(guó)壽險(xiǎn)業(yè)資產(chǎn)負(fù)債管理模式研究及其數(shù)學(xué)模型[J];金融研究;2002年07期

7 張祖榮;;芻議我國(guó)保險(xiǎn)資金運(yùn)用的問(wèn)題與對(duì)策[J];金融與經(jīng)濟(jì);2008年07期

8 秦振球,俞自由;從資產(chǎn)負(fù)債管理看我國(guó)壽險(xiǎn)產(chǎn)品開發(fā)和資金運(yùn)用[J];上海保險(xiǎn);2002年12期

9 魏權(quán)齡;趙迎迎;;DEA模型在資金分配和管理中的應(yīng)用[J];數(shù)學(xué)的實(shí)踐與認(rèn)識(shí);2011年01期

10 郭淼;張韻涵;;保險(xiǎn)投資管理研究[J];時(shí)代金融;2011年06期

本文編號(hào)：1905419