本文選題：保險資金運用 + 投資比例�。� 參考：《吉林財經大學》2014年碩士論文

【摘要】：保險公司指的是銷售保險合約、提供風險保障的公司，是金融三大支柱產業(yè)之一，，對國家宏觀經濟的運行有著重大意義。隨著經濟的發(fā)展和人們保障意識的不斷提高，保險業(yè)的春天也即將到來。然而，保險業(yè)仍然處于“狼多肉少”的階段，各家保險公司為了完成對市場的有效占有率，紛紛降低承保費用同時加大營銷成本，這些都導致了保險業(yè)利潤的減少。因此，僅僅依靠保費收入實現公司盈利并非長遠之計，如何實現日益增長的保險資金余額的有效運用才能為各司提供更多的收益。而我國的保險資金的投資渠道有明文規(guī)定，需在銀行存款、債權、投資基金、股票、不動產以及國務院規(guī)定的其他資金運用形式中進行投資，可是結果是其投資收益不僅與成熟的國際市場差距較大并且存在較大幅度的波動性，因此，探討怎樣實現保險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。本文從保險投資的背景、意義和現有國內外文獻出發(fā)，其次對保險資金運用的理論基礎加以闡述，再對所用的數據包絡分析方法（即DEA）做簡單介紹，最后通過現有公司投資和收益數據，運用模型得出最佳投資比例，并針對結果分析，對保險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.
【學位授予單位】：吉林財經大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F224;F842

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本文編號：1905419