一、我国保险资金运用的发展及现状保险资金是指保险公司的资本金、保证金、营运资金、各种准备金、公积金公益金、未分配盈余、保险保障基金及国家规定的其他资金。《保险法》(修订)第106条规定:“保险公司的资金运用,限于银行存款、买卖债券、股票、证券投资基金份额等有价证券;投资不动产;另外还有国务院规定的其他资金运用形式。” First, the development and status quo of the use of insurance funds in our country Insurance funds refer to the capital, margin, working capital, various reserves, provident fund public welfare funds, undistributed profits, insurance protection funds and other funds prescribed by the state. Article 106 of the Insurance Law (Revised) states: “The use of funds of insurance companies shall be limited to securities such as bank deposits, trading of bonds, stocks and securities investment fund shares; investments in real estate; and other forms of funds prescribed by the State Council . ”