在发达市场经济国家,保险机构因其资金体量大、投资周期长等特点,一直是股权投资市场的重要机构投资者。目前,我国保险资金股权投资规模相对较小,不利于保险资金管理效率的提高。要推动保险资金股权投资业务健康持续发展,还需要保险机构进一步加大创新力度。对此,本文从探讨保险资金参与股权投资的现实可行性入手,对保险股权投资的发展模式、创新路径及风险管控问题进行探讨,以求探寻推动保险资金股权投资业务健康发展的路径。在以上分析的基础上,本文还提出了完善股权投资退出渠道、加大政策对股权投资的支持力度、推动保险股权投资的创新力度等宏观和监管政策等建议。 In developed market economy countries, insurance institutions have been important institutional investors in the equity investment market because of their large capital base and long investment cycle. At present, the scale of equity investment in insurance funds in China is relatively small, which is not conducive to the improvement of the efficiency of insurance funds management. In order to promote the healthy and sustainable development of the insurance funds equity investment business, insurance institutions will also need to further increase their innovation efforts. In this regard, this paper discusses the practical feasibility of insurance funds participating in equity investment, explores the development model, innovation path and risk management and control of insurance equity investment in order to explore ways to promote the healthy development of insurance funds equity investment business. On the basis of the above analysis, this article also puts forward suggestions such as macroscopic and regulatory policies such as perfecting the exit channels of equity investment, strengthening the support for policies on equity investment and promoting the innovation of insurance equity investment.