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论文编号：	15665
作者编号：	2320233770
上传时间：	2025/12/9 9:48:01
中文题目：	A寿险公司资产配置优化研究
英文题目：	Research on asset allocation optimization of A life insurance company
指导老师：	齐岳
中文关键字：	保险资产配置；资产配置影响因素；资本市场
英文关键字：	Insurance asset allocation；Asset allocation factors；Capital markets
中文摘要：	近年来，寿险公司作为资本市场的专业机构投资者，日益受到资本市场的重视，国家对其关注度也越来越高，国务院于2024年4月印发《关于加强监管防范风险推动资本市场高质量发展的若干意见》，其中提到要大力推动中长期资金入市，持续壮大长期投资力量，优化保险资金权益投资政策环境，更好鼓励开展长期权益投资。随着保险业进入高速发展阶段，保费收入不断的增长，资金规模不断的扩大，新增的资金给寿险公司的资产配置带来了一定的难度和压力。再加上近些年我国一直处在低利率环境下，寿险公司资产配置的不确定性显得尤为突出。因此寿险公司资产配置的方向是本文研究的重点。 本文在阐述的过程中，采取了文献分析法、调查研究法、比较分析法等理论与实际相结合的研究方式，首先阐述了研究的背景和意义、研究方法和框架，接着论述了保险资产配置机理、保险资产配置相关的理论基础等，然后以A寿险公司作为案例分析其资产配置的影响因素，通过深入分析A寿险公司资产配置所面临的主要问题，系统研究资产配置优化的具体过程，并最终确定针对A寿险公司资产配置优化的建议，最后提出资产配置建议的保障措施。具体如下：第一、结合公司实际情况基于当下经济复苏背景下，加强权益资产配置；拉长债券资产的久期；另外要关注其他资产配置机会。第二、提升员工综合素质，应充分重视并着重强调员工综合素质的全面提升。第三、加强内部资源整合和管理，在保险公司的投资资产配置过程中，经营管理无疑是一个至关重要的因素。本文对寿险公司资金的资产配置的研究，对未来寿险公司开展资产配置的研究提供了参考，具有很强的借鉴意义。 本文的创新点在于将寿险公司的人员储备情况、内部经营管理等多重因素与资产配置结合进行研究。以A寿险公司作为研究案例，进行资产配置影响因素多维度的研究和分析，研究对象在保险行业非常具有代表性。最后也希望通过本文的研究，对整个保险行业在资产配置方面有所启发，进而对我国金融行业健康发展提供更多的思路。
英文摘要：	In recent years, insurance companies have increasingly gained prominence as professional institutional investors in capital markets, with heightened national attention. The State Council issued the "Several Opinions on Strengthening Regulatory Oversight, Preventing Risks, and Promoting High-Quality Development of Capital Markets" in April 2024, which explicitly calls for expanding medium-to-long-term capital inflows into the market. Article 7 outlines measures to strengthen long-term investment capabilities, optimize policy environments for insurance equity investments, and better incentivize sustained equity investments. As the insurance industry enters a phase of rapid growth marked by rising premium income and expanding capital reserves, insurers face growing challenges in asset allocation due to new capital inflows. Compounded by China's prolonged low-interest-rate environment, uncertainties in asset allocation have become particularly pronounced. This research therefore focuses on identifying strategic directions for insurers' asset allocation strategies. This thesis employs a research methodology that integrates theoretical and practical approaches, including literature analysis and case studies. The thesis first outlines the research background, significance, methodology, and conceptual framework. It then examines the theoretical foundations of insurance asset allocation, its operational mechanisms, and the interconnections between financial indicators and asset allocation. Using Insurance Company A as a case study, the analysis identifies key factors influencing asset allocation, systematically investigates optimization processes, and proposes actionable recommendations for improving asset allocation efficiency. The thesis concludes with safeguard measures for these recommendations. Specific recommendations include: 1) Enhancing employee competency through comprehensive skill development; 2) Strengthening internal resource integration and management, as operational efficiency critically determines asset allocation outcomes; 3) Prioritizing equity asset allocation while meeting regulatory requirements, extending bond duration in fixed-income portfolios, and exploringalternative investment opportunities. This research provides valuable insights for insurance companies conducting asset allocation studies, offering significant reference value for future industry practices. This thesis innovation lies in integrating multiple factors such as insurance companies' personnel reserves, internal management operations, and asset allocation into research. It reveals the practical challenges in asset allocation within the insurance industry, proposes corresponding recommendations, and addresses real-world issues in insurance fund allocation. Additionally, using Insurance Company A as a case study, this paper conducts research and analysis on asset allocation, with the subject being highly representative of the insurance sector. Finally, it aims to provide insights for the entire insurance industry regarding asset allocation, thereby offering more perspectives for the healthy development of China's financial sector.
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