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论文编号：	12664
作者编号：	2120192926
上传时间：	2021/6/18 21:27:15
中文题目：	TK集团保险资金运用优化策略研究
英文题目：	Research on the Optimization Strategy of Insurance Fund Utilization of TK Group
指导老师：	王曼舒
中文关键字：	保险资金投资;投资结构配比;收益率;风险控制;资产负债管理
英文关键字：	Insurance Investment;Investment Structure;Ratio of Return;Risk Control;Asset Liability Management
中文摘要：	摘要 保险业在中国起步较晚，然而近几十年来，保险业发展迅速。保险公司每 年收入庞大规模的保费后，如何投资运用大规模的资金池，不断为公司创造更 多价值，为公司更好更快的发展夯实根基，具有深远意义。保险资金投资要考 虑诸多因素，面临日益下行的市场利率和投资风险的不确定性，决策者要关注 资金投资结构是否健康合理，投资组合配比是否最优化，总投资收益率是否偏 低以及内部资产负债管理是否科学高效等诸多方面。 本文旨在通过对行业内典型企业TK集团各方面数据着手，从投资结构配比、 投资收益率、风险控制、企业内部资产负债管理等四大方面全方位进行比对和 分析，寻找集团现阶段保险资金投资运用上的一些不足，并对之提出一些合理 的可行的优化方案。第一章首先介绍了选题的背景和意义、研究内容、分析方 法，进而介绍了论文的结构。第二章则对保险资本投资等相关理论进行回顾， 并对国内外相关文献进行综述。其次，第三章通过列举 TK 集团相关投资数据来 分析 TK 集团的保险投资现状，存在的问题以及多维度问题的成因。再次，第四 章从上述四个方面着手于对应优化方案的探索。第五章则探讨对优化方案的实 施与保障。最后，第六章是本文研究的不足，总结与对未来的展望。 通过分析研究，得出 TK 集团现阶段保险资金运用结构仍有优化空间，在特 定风险的条件下投资的收益率仍可提升，以及集团内部的资产负债管理模式仍 可以进一步的改善等结论。集团可以加强资产负债管理，有效降低资产和负债 两端的风险性，强化资产负债管理体系网络韧性，并重视集团内部风险传染的 管理。在投资渠道方面，增大债权投资比例，增加境外投资，并积极参与国内 重大工程建设诸如 PPP 模式。在风控方面，提出加强控制信用风险，保险风险 和集中度风险的建议。
英文摘要：	Abstract The insurance industry started late in China, yet it has grown rapidly in recent decades. With the huge scale of premiums that insurance companies earn each year, it is of far-reaching importance to invest and use the massive pool of funds to continuously create more value for the company and to lay the foundations for better and faster growth. In the face of the uncertainty of market interest rates and investment risks, decision makers have to pay attention to whether the investment structure of funds is healthy and reasonable, whether the portfolio allocation is optimal, whether the total investment return is low and whether the internal asset and liability management is scientific and efficient. The purpose of this paper is to compare and analyze the data of TK Group, a typical enterprise in the industry, in terms of investment structure ratio, investment return, risk control and internal asset and liability management, in order to find out some shortcomings in the use of insurance funds at the present stage and to propose some reasonable and feasible solutions for their optimization. Chapter 1 firstly introduces the background and significance of the chosen topic, the content of the study, the analysis method, and then the structure of the thesis. Chapter 2 then reviews the theories related to insurance capital investment and other related theories, and provides a review of the relevant domestic and international literature. Secondly, Chapter 3 analyses the current situation of TK Group's insurance investment, the problems that exist and the causes of the multi-dimensional problems by citing relevant investment data of TK Group. Chapter 4 then proceeds to explore the corresponding optimization solutions in terms of the above four aspects. Chapter 5 then examines the implementation and assurance of the optimization solutions. Finally, Chapter 6 concludes with a summary of the shortcomings of the study and an outlook for the future. Through the analysis and research, it is concluded that there is still room for optimization of the structure of insurance fund utilization in TK group at the present stage, the rate of return of investment can still be improved under the condition of specific risks, and the asset liability management mode within the group can still be further improved. The group can strengthen asset liability management, effectively reduce the risk of both sides of assets and liabilities, strengthen the network resilience of asset liability management system, and pay attention to the management of risk contagion within the group. In terms of investment channels, we should increase the proportion of debt investment, increase overseas investment, and actively participate in major domestic project construction, such as PPP mode. In the aspect of risk control, this paper puts forward suggestions on paying close attention to credit risk, insurance risk and concentration risk.
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