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保险负债特征、年度收益目标、大类资产阶段性的风险收益特征等因素都会影响大类资产配置。本文借鉴行业实践,研究梳理了保险资金运用的内在规律和目标要求、保险负债特征以及大类资产风险收益特征变化规律等方面的经验,并对今后完善资产配置的方法和方向提出了意见和建议。
The characteristics of insurance liabilities, annual revenue targets, and the risk-benefit characteristics of large-scale assets at different stages all affect the allocation of assets in large categories. This paper draws on the practice of the industry, studies the inherent laws and objectives of insurance funds utilization, the characteristics of insurance liabilities and the characteristics of the risk and return characteristics of large assets, etc., and puts forward opinions and suggestions on the ways and directions for improving asset allocation in the future .