美国essay写作-美国的保险资产管理
5页1、essay写作网()-专业留学生作业辅导中心美国essay写作-美国的保险资产管理American insurance assets have flexible investment methods and wide channels of capital utilization, mainly invested in government and corporate bonds, stocks, mortgages, real estate and policy loans. In life insurance assets, bonds have been the most important investment, accounting for more than 50%; Since the 1990s, the share of stocks has been rising gradually, and it has remained at nearly 30% in the recent decade. It has surpassed mortgage as the se
2、cond largest investment. The share of mortgage loans has been declining, accounting for 6.7% on average from 2002 to 2011. The proportion of policy loans and real estate investment is not high, which is maintained below 3% and 1% for a long time. Assets of us life insurance companies are divided into general accounts and independent accounts, and their asset allocation structures are significantly different. In 2011, stocks accounted for 2% of general accounts and 72% of bonds. Independent accou
3、nts, by contrast, have a bond weighting of 14% and a stock weighting of 79%. Since the 1990s, the scale of independent account asset management has increased significantly, which is the main reason for the increase of the proportion of shares in us life insurance companies.美国保险资产具有灵活的投资方式和广泛的资本使用渠道,主要投资于政府和公司债券、股票、抵押贷款、房地产和政策性贷款。在寿险资产中,债券是最重要的投资,占比超过50%;90年代以来,股票份额逐步上升,近十年保持在近30%的水平。它已超过抵押贷款,成为第二大投资。抵押贷款占比一直在下降,2002年至2011年平均为6.7%。政策性贷款和房地产投资比例不高,长期保持在3%和1%以下。美国寿险公司的资产分为一般账户和独立账户,资产配置结构存在显著差异。201
4、1年,股票占一般账户的2%,债券占72%。相比之下,独立账户的债券权重为14%,股票权重为79%。自20世纪90年代以来,独立账户资产管理规模显著扩大,这是美国寿险公司股份比例上升的主要原因。American insurance industry investment efficiency and high stability, in the life insurance industry, for example, in the 1980 s to the early 90 s, life insurance net assets yield changes within the range of 8% 9%, generally remain above 7%, in the 90 s in the 20th century, influenced by the macro economic situation and financial policy yields fell, the range of 5% 6%, since the 2008 global financial
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