本文選題：保險資金 + 股權(quán)投資�。� 參考：《鄭州大學》2014年碩士論文

【摘要】：近年來,保險業(yè)資產(chǎn)總額逐年迅速增加,保險資金運用余額也隨之迅猛增長。與此同時,投資渠道較為單一、投資收益率低及資產(chǎn)負債配置不合理等也是保險資金運用所面臨的突出問題。隨著國家經(jīng)濟發(fā)展改革的深入和市場環(huán)境倒逼壓力的增大,保險資金運用創(chuàng)新能力不斷增強,渠道逐漸擴寬,投資產(chǎn)品逐漸增加。其中,股權(quán)投資逐漸成為盤活保險資產(chǎn)、提升投資收益率的有效方式。 XJ資產(chǎn)管理股份有限公司根據(jù)KC小額貸款公司行業(yè)背景現(xiàn)狀及法規(guī)要求,通過分析其基本財務(wù)狀況,建立可靠穩(wěn)健的回購機制,設(shè)立相應(yīng)的股權(quán)投資計劃結(jié)構(gòu)。通過對股權(quán)投資計劃的參與方行業(yè)背景調(diào)查,同時在財務(wù)狀況、盈利預測、交易結(jié)構(gòu)設(shè)計合規(guī)及風險控制、回購機制等重要節(jié)點進行可行性分析,可得出該計劃是否具備可行性。 根據(jù)當前保險資金進行股權(quán)投資的狀況和特點,可分析得出采取股權(quán)投資方式是一種收益穩(wěn)健和回報較高的投資方法,同時從行業(yè)背景及法規(guī)法律上來講是具備操作性的。在對XJ公司和KC公司的行業(yè)背景和自身具體發(fā)展狀況進行詳細闡述的基礎(chǔ)上,重點針對被投資方KC公司展開可行性分析。從財務(wù)狀況來看,KC公司資產(chǎn)負債關(guān)鍵性指標表現(xiàn)較好,現(xiàn)金流充沛穩(wěn)定,盈利狀況較好,具有較強的發(fā)展勢頭和實力。從股權(quán)交易要素及結(jié)構(gòu)設(shè)計角度對該股權(quán)投資進行分析,可看出該投資計劃結(jié)構(gòu)設(shè)計合理,法律合規(guī)性強,風險控制能力穩(wěn)健有保障。針對該計劃的退出機制進行具體分析,重點通過回購方的財務(wù)狀況和企業(yè)背景,判斷出回購方的回購能力有保障,從而得出該回購方式具備可行性。綜合以上幾個因素,在充分考慮投后管理的具體措施和針對經(jīng)濟環(huán)境變化作出預案準備的條件下,判斷出XJ公司對KC公司的股權(quán)投資計劃可行。
[Abstract]:In recent years, the total assets of the insurance industry have increased rapidly year by year, and the balance of the insurance fund has also increased rapidly.At the same time, the investment channel is relatively single, the investment rate of return is low and the allocation of assets and liabilities is unreasonable.With the deepening of the national economic development reform and the increasing pressure of the market environment, the ability to use and innovate the insurance funds has been strengthened, the channels have been gradually broadened, and the investment products have been gradually increased.Among them, equity investment has gradually become an effective way to invigorate insurance assets and improve the return on investment.XJ Asset Management Co., Ltd., according to the industry background and regulations of KC Microloan Company, establishes a reliable and stable repurchase mechanism by analyzing its basic financial situation, and sets up the corresponding equity investment plan structure.By investigating the background of the participants in the equity investment plan, at the same time the feasibility analysis is carried out at the important nodes, such as financial situation, profit forecast, trade structure design compliance and risk control, repurchase mechanism, etc.It can be concluded whether the plan is feasible.According to the current status and characteristics of equity investment in insurance funds, it can be concluded that adopting equity investment is a kind of investment method with steady income and high return, and it is operable in terms of industry background and laws and regulations at the same time.On the basis of expounding the background of XJ Company and KC Company and its own specific development situation, the feasibility analysis of the invested KC Company is put forward.According to the financial situation, the key indexes of assets and liabilities of KC Company are good, cash flow is abundant and stable, profit is good, and it has strong development momentum and strength.From the angle of equity trading elements and structure design, it can be seen that the investment plan structure is reasonable, the legal compliance is strong, and the risk control ability is robust and guaranteed.Through the detailed analysis of the withdrawal mechanism of the plan and the financial situation and enterprise background of the repurchase party, it is concluded that the repurchase ability of the repurchase party is guaranteed, and the repurchase method is feasible.By synthesizing the above factors and considering the concrete measures of post-investment management and preparing for the change of economic environment, it is concluded that the equity investment plan of XJ Company in KC Company is feasible.
【學位授予單位】：鄭州大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.3;F832.51

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