一、寿险资金运用的必要性日本寿险公司从1997～2001年间有7家保险公司破产,日本寿险公司破产的重要原因之一是在经济泡沫时期出售了大量的高利率产品,当经济泡沫破灭,出现通货紧缩的时候,保险资金的投资收益率持续下降,造成严重的利差损,导致偿付能力不足。中国寿险业面临着类 First, the need for the use of life insurance funds Japanese life insurance companies from 1997 to 2001, seven insurers bankruptcy, one of the important reasons bankruptcy of Japanese life insurance companies is the bubble in the economic bubble sold a large number of high interest rate products, when the economic bubble burst, In the event of a deflation, the return on investment of insurance funds continued to decline, causing serious losses and losses, resulting in insufficient solvency. China’s life insurance industry is facing a category