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近年来,随着我国经济的快速发展,保险业已渗透到国民经济的各个方面,保险公司通过合理利用保险资金来提高保险公司的盈利能力,保险资金运用的渠道也逐步多样化。但是我国保险资金的运用才刚刚起步,在学会灵活运用保险资金与提高投资收益率的同时,应当注意风险的防范与管理。本文简要阐述我国保险资金运用的主要渠道及其面临的风险,并运用多元线性模型分析投资收益率与投资渠道之间的相关性,发现投资收益率、投资渠道及风险之间的联系,从而提出风险管理策略。
In recent years, with the rapid economic development in our country, the insurance industry has infiltrated all aspects of the national economy. Insurance companies improve the profitability of insurance companies through the rational use of insurance funds, and the channels for the use of insurance funds are gradually diversified. However, the use of insurance funds in our country has just started. While learning how to make flexible use of insurance funds and increase the return on investment, we should pay attention to the prevention and management of risks. This article briefly expounds the main channels of China’s insurance funds and the risks they face, and uses the multiple linear model to analyze the correlation between the return on investment and the investment channels, and finds the relationship between investment return, investment channels and risks. Risk management strategy.