资金的运用

• Environment ministers meeting , by ye ruqiu , vice administrator of national environment protection administration . hrd ministers meeting , by xu songtao , vice minister of personnel . energy ministers meeting , by ye qing , vice chairman of state planning commission
  基金成立后，财政部会同经贸委科技部外交部制定了中国apec科技产业合作基金使用管理办法，详细规定了基金的使用范围和原则申报和审批程序资金的运用和监督管理方法。
• Turbo - a faster way to a greater choice of rewards every hk 1 spent on your american express card will earn you 2 membership rewards points . compared to the majority of other credit cards in town , with american express , you can redeem your favourite rewards 2 times faster
  凭美国运通信用卡签账，除可让您尽享一糸列专有权益外，更可让您选择延期还款之便利，不必每月付清全部账户结馀，让您可更有效地计划资金的运用及每日的消费，理财更灵活。
• For many years , despite the bank industry provided ample funds supporting for manufacturing industry , but because the application efficiency of these funds is not high , and not only result in the large quantity bad loan of bank , but also still decelerated the economy development of our country
  多年来，银行业为制造业提供了较为充足的资金支持，但由于这些资金的运用效率不高，不仅给银行造成了大量的坏帐，而且减缓了我国经济发展的速度。
• Compared with the experience of the international insurance industry , the utilization of insurance fund in our country has long hold several problems : the structure for insurance funds utilization is single , the channel is narrow , the income is fairly low and the asset - loan is not matched
  长期以来,我国保险资金的运用存在着结构单一、渠道狭窄、收益较低、资产负债不匹配的问题,同国际保险业的资金运用情况相比,保险资金运用已经成为我国保险业发展的瓶颈。
• Had corrected its to violate the act that insurance code decides through rectifying when the insurance company that is consolidated , make its of the drawing of each reserve and capital handle the demand that obtains legal provision ; reinsurance cent gives business course to adjust , the insurance liability that makes its leave insurance cost to assume oneself accords with legal standard ; not competent company controller gets adjustment with concerned administrator ; put when harm company compensate pays ability and the issue that harm insurant interest no longer , approbate via rectifying an organization , after report finance supervises management department to approve , by finance supervisory management department decides to end pair of this companies rectify , give announcement
  当被整顿的保险公司经过整顿已经纠正其违反保险法规定的行为，使其各项预备金的提存和资金的运用达到法律规定的要求；再保险分出业务经过调整，使其自留保费承担的保险责任符合法定的标准；不称职的公司负责人和有关治理人员得到调整；不再存在危害公司赔付能力和损害被保险人利益的问题时，经整顿组织认可，报告金融监督治理部门批准后，由金融监督治理部门决定结束对该公司的整顿，并予以公告。
• A set of regulatory instruments and precautious system is out of place . we haven ’ t constituted a set of accounting principles which fits for both international custom and chinese supervision requirements . by referring to successful experience of supervision of insurance company ’ s solvency in developed countries such as the united states , great britain , japan and south korea , this paper puts forward some constructive suggestion to perfect supervision system of insurance company ’ s solvency capability in our country
  我国现行的保险偿付能力监管制度存在很多缺陷和漏洞,比如我国保险偿付能力监管仍然是静态监管,缺乏与动态监管相结合;保险资金的运用规定太死,保险公司资金缺乏运作的空间;偿付能力的计算中资产的风险没有具体体现;监管工具和技术落后,监管指标带有一定滞后性,缺乏一套偿付能力监测工具和预警系统;还没有建立起一套既符合国际惯例、又适应我国监管要求的保险监管会计准则等。
• The main profit will be investment return according to the international practice . on the other hand , domestic insurance companies have fallen in the difficult position of standard interest continuously fell down eight times since l997 . in order to assure the enough pay back ability and the insurance company ' s profit , raising investment profit is an urgent task to every domestic insurance company especially the life insurance ones
  中国加入wto后，国内保险公司将承受外资保险公司带来的巨大的降费压力，过去赖以生存的承保利润将不复存在，加上最近几年业已存在的银行连续八次降息带来的严重的“利差损” ，这使得我国的民族保险业，尤其是寿险业，对于加强保险资金的运用，提高投资收益的客观要求将越来越强烈。
• It also presents that insurance companies should regulate the idea of opening , adjust the conception of management , reinforce the opening of economic system , consummate the structure of corporate person , change the model of management . meanwhile , the chapter suggests the adjustment about competition pattern , the application of insurance fund , the increasing pattern , utilization of talents . finally , it also comments the innovation of insurance products , the exploitation of new market , research of bank insurance
  首先提出了发展保险业的支持性的产业政策、保险监管方式的改变、保险中介市场的健全等；指出了保险公司开放理念要调整、转变经营观念、加强经济体制改革、完善法人治理、改变经营管理模式；同时提出了对竞争方式、增长方式、保险资金运用、人才运用方面的调整；最后对保险产品的创新、新市场的开发、重视保险资金的运用、银行保险的研究进行了论述。
• Based on theories in economics , insurance science , actuarial science , investment science , and econometrics , the author offers some effective countermeasures to solve the problems existing in the fund operation in life insurance company , which are summarized as follows : ( 1 ) to perfect the financial market , ( 2 ) to reinforce self - construction and to improve the fund operation in life insurance company , ( 3 ) to improve macro economic environment in order to broaden investment channels , ( 4 ) to set up life insurance fund in order to have a directly association with capital market
  4 、我国寿险资金的运用缺乏一个良好的宏观环境。我国寿险公司的税赋太重，中国人寿保险公司1998 ~ 2000年的营业税金、利润比分别为0 . 573 、 0 . 7 、 0 . 5 。政府严格监管进一步限制了寿险公司资金运用，保险监管越严格，监管成本越大，而收益并非与监管成本成正比，而是成二次曲线关系。
• It adopts the method that combines the theory study and qualitative analysis . it uses the risk - profit theory , portfolio theory and investment policy decision theory when analyzing the investment pattern fit for our country ' s insurance . establishing the portfolio model , analyzing our insurance capital ' s portfolio by means of mathematical program and drawing the relevant conclusions
  本文以保险资金的运用为研究对象，运用理论研究和实证分析相结合的方法，在具体分析时综合运用风险?收益理论、投资组合理论以及投资决策理论分析适合我国保险业的投资方式，并通过建立投资组合模型，用数学规划的方法分析了我国保险资金的投资组合情况，得出相关结论。