保险资产证券化

首先，本文对资产证券化的一般概念做出定义，同时衍生出保险资产证券化的定义。

Firstly , the paper defines the general concept of asset securitization , and then goes through to the definition of insurance asset securitization .

在此笔者将保险资产证券化分为三类：保险增量资产证券化、保险投资证券化和保险存量资产证券化。

In this paper the insurance securitization is divided into three categories : Insurance incremental asset securitization , insurance investment securitization and insurance asset securitization .

纵观国内关于资产证券化的研究，多数文章将重点倾向于企业应收账款证券化、高速公路收费权益证券化和银行信贷资产证券化，对保险资产证券化研究非常少。

Looking at the domestic research on asset securitization , the majority of articles tend to focus on corporate accounts receivable securitization of equity securities of toll highways and bank credit asset securitization , asset securitization of insurance is very rare .

负债策略包括优化产品结构、提高定价合理性、修正保单条款和创新营销模式；资产策略包括实行保险资产证券化、加强投资管理。

Debt strategy includes the optimization of product structure , the improvement of pricing rationality , the amendment of the policy terms , the innovation of the marketing pattern ; Assets strategy includes the securitization of the insurance assets and strengthening the investment management .

鉴于国内外对保险增量资产证券化即保险公司上市融资部分研究较多，本文在此仅研究后两者。

In view of incremental asset securitization of insurance has been studied very much , this study only involves the latter two .

同时，对我国保险公司可能实施资产证券化的道路进行了探索，包括前文提到了保单质押贷款证券化和基础设施资产证券化。

Meanwhile , the thesis make a bold explore , aiming to break a new path of Chinese insurance securitization including the previously mentioned policy loans securitization and securitization of infrastructure assets .

保险行业方面，风险证券化即负债证券化的研究文章比较多，对保险资产类的证券化研究缺乏系统性的研究。其二，选题具有一定的指导性。

In Insurance industry , the risk securitization research article is usually and lack of systematic research . Second , the topic is instructive .