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保险公司开展基金管理业务可以获得分散收入来源、多重金融产品交叉销售等好处。除直接发起设立基金管理公司外,保险公司还可以通过收购、与现有基金公司建立合作伙伴关系以及利用保险网络参与基金产品销售等方式开展基金业务。保险基金管理的服务对象不能一概而论,要根据拥有基金业务的保险集团性质、业务发展战略定位等因素来确定。保险业务与基金业务存在很大区别,所以在推动保险产品与基金产品密切融合的同时,还应建立严格的风险隔离措施。此外,必须对基金的手续费进行监管,避免因过高的手续费影响基金投资人的利益。
Insurance companies to carry out fund management business can obtain decentralized income sources, cross-selling multiple financial products and other benefits. In addition to directly sponsoring the establishment of fund management companies, insurers can also carry out fund operations through acquisitions, establishing partnerships with existing fund companies and using insurance networks to participate in fund product sales. The object of insurance fund management can not be generalized, according to the nature of the insurance group with the fund business, business development strategy and other factors to determine. Insurance business and fund business there is a big difference, so in promoting the close integration of insurance products and fund products, but also establish strict risk isolation measures. In addition, the fund fees and charges must be supervised to avoid affecting the interests of fund investors because of excessive fees.