论我国寿险业需培育和建立投资理性

目前,我国寿险业已经走出了偏重承保利润的阶段,但投资收益率较低将导致寿险企业在今后一段时期内仍然偏重于规模扩张,并最终导致规模推动困境.论述了我国寿险业需要从投资理念、投资管控、投资领域和外部监管4个方面培育和建立投资理性,并建议通过公共事业定向债券的方式,实现寿险业向公共事业领域的间接投资.

The Life Insurance of Our Country Needs to Cultivate and Establish the Rational Investment

At present, the life insurance of our country has already gone out of the stage of laying particular stress on profit, but the lower investment yield will cause life insurance enterprises to still overweight the scale enlargement in the future period of time, and cause the scale promotion to the predicament finally. This paper discusses on that our country's life insurance should cultivate and establish the rational investment, and suggests that should realize the indirect investment from the life insurance to the public utilities field through the way of the directional bond of the public utilities.