【摘要】：2012年,保監(jiān)會(huì)陸續(xù)推出13項(xiàng)保險(xiǎn)資金投資新政策(以下簡(jiǎn)稱“保險(xiǎn)投資新政”),“保險(xiǎn)投資新政”極大的促進(jìn)了保險(xiǎn)資產(chǎn)管理行業(yè)和保險(xiǎn)資產(chǎn)管理機(jī)構(gòu)的發(fā)展。保險(xiǎn)資產(chǎn)管理公司迎來(lái)了良好的發(fā)展機(jī)會(huì),將從過(guò)去封閉、單一、被動(dòng)的發(fā)展業(yè)務(wù)轉(zhuǎn)向開(kāi)放、全面、主動(dòng)的資產(chǎn)管理業(yè)務(wù),從單純的賬戶管理轉(zhuǎn)向賬戶管理與產(chǎn)品管理并舉,從單純的管理保險(xiǎn)公司內(nèi)部資金轉(zhuǎn)向管理內(nèi)部資金與第三方資金并舉；從被動(dòng)的負(fù)債驅(qū)動(dòng)轉(zhuǎn)向資產(chǎn)負(fù)債管理,從行業(yè)內(nèi)競(jìng)爭(zhēng)轉(zhuǎn)向金融業(yè)跨界競(jìng)爭(zhēng),多元化、國(guó)際化將成為保險(xiǎn)資產(chǎn)公司發(fā)展的新趨勢(shì)。 以此背景下,本文以“保險(xiǎn)資產(chǎn)管理公司業(yè)務(wù)發(fā)展研究”為選題,旨在探討如下幾個(gè)方面的問(wèn)題：第一,“保險(xiǎn)投資新政”實(shí)施兩年多來(lái),對(duì)保險(xiǎn)資產(chǎn)管理行業(yè)的具體影響是怎樣的?第二,在“保險(xiǎn)投資新政”背景下,保險(xiǎn)資產(chǎn)管理公司未來(lái)的發(fā)展方向如何?第三,在全球以及國(guó)內(nèi)大資產(chǎn)管理行業(yè)快速發(fā)展的背景下,保險(xiǎn)資產(chǎn)管理公司的內(nèi)部能力建設(shè)方面還有哪些需要加強(qiáng)的地方?對(duì)于監(jiān)管部門(mén)的政策調(diào)整還有哪些建議和期待? 通過(guò)對(duì)上述問(wèn)題的探討,對(duì)保險(xiǎn)資產(chǎn)管理公司的發(fā)展提出了一些建議：通過(guò)提高投資能力、加強(qiáng)保險(xiǎn)資管產(chǎn)品創(chuàng)新和提高風(fēng)險(xiǎn)管控能力,來(lái)提升保險(xiǎn)資產(chǎn)管理公司全面資產(chǎn)管理能力;同時(shí)建議監(jiān)管機(jī)構(gòu)進(jìn)一步放開(kāi)監(jiān)管政策,使保險(xiǎn)資管公司能更好的開(kāi)展全面資產(chǎn)管理業(yè)務(wù)。在金融改革的大背景下,我國(guó)保險(xiǎn)資產(chǎn)管理公司應(yīng)充分把握發(fā)展契機(jī),把保險(xiǎn)資產(chǎn)管理做大做強(qiáng)。保險(xiǎn)資產(chǎn)管理公司將成為中國(guó)保險(xiǎn)業(yè)的健康發(fā)展的不可或缺的重要力量,同時(shí)也會(huì)成為中國(guó)金融業(yè)的重要生力軍。
[Abstract]:In 2012, CIRC introduced 13 new policies on the investment of insurance funds (hereinafter referred to as "the new policy of insurance investment"), which greatly promoted the development of the insurance asset management industry and the insurance asset management institutions. The insurance asset management company has ushered in a good development opportunity. It will change from closed, single and passive development business to open, comprehensive and active asset management business, from simple account management to account management and product management. From pure management of internal funds of insurance companies to management of internal funds and third party funds, from passive debt-driven to asset-liability management, from intra-industry competition to cross-border competition in the financial industry, diversification, Internationalization will become a new trend in the development of insurance assets companies. Under this background, this article takes "the insurance asset management company business development research" as the topic, aims to discuss the following several aspects questions: first, the "insurance investment new policy" has been implemented for more than two years. What is the specific impact on the insurance asset management industry? Second, in the context of the "New deal on Insurance Investment", what is the future development direction of insurance asset management companies? Third, in the context of the rapid development of the global and domestic large asset management industry, what aspects of internal capacity-building of insurance asset management companies need to be strengthened? What are the suggestions and expectations for regulatory policy adjustment? Through the discussion of the above problems, some suggestions are put forward for the development of the insurance asset management company: to improve the investment ability, to strengthen the innovation of the insurance capital management products and to improve the risk management ability. At the same time, it is suggested that regulators should further liberalize the regulatory policy so that insurance asset management companies can better carry out comprehensive asset management business. Under the background of financial reform, China's insurance asset management companies should fully grasp the opportunity of development and make the management of insurance assets bigger and stronger. The insurance asset management company will become an indispensable and important force for the healthy development of China's insurance industry as well as an important new force for the Chinese financial industry.
【學(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：F842.3

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