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投资目标的设计及其实现方式对保险公司的投资结果具有直接影响。论文在梳理保险投资基本逻辑的基础上,提出保险公司必须建立均衡投资的原则,兼顾短期收益结果和长期收益能力,平衡绝对收益和相对收益。同时,保险公司应在监管与风险限额的约束下,综合使用多种工具、机制,合理制定、分解、量化投资目标,通过组织架构、投研方法、团队建设、风险控制、绩效考核等环节的相互衔接,正确激励投资团队在资产负债匹配管理框架下获取超额收益。
The design of investment objectives and how they are achieved have a direct impact on the investment results of insurance companies. Based on the basic logic of insurance investment, the paper puts forward the principle that insurance companies must establish a balanced investment, balance short-term revenue results with long-term profitability, and balance absolute and relative returns. At the same time, insurance companies should make comprehensive use of various tools and mechanisms to formulate, decompose and quantify investment objectives subject to regulatory and risk limits. Through the organizational structure, investment and research methods, team building, risk control and performance appraisal, Link each other and properly motivate the investment team to obtain excess returns under the framework of asset and liability matching management.