国际寿险投资业近年来出现证券化趋势 ,但不同国家和地区的证券化比例有很大差异。除了政府监管的因素外 ,最主要的是与各个国家和地区的经济发展状况、资本市场的成熟程度有关。我国正处于经济起飞阶段 ,资本市场尚未成熟 ,长期寿险资金难以在资本市场找到与之相匹配的投资工具 ,因此 ,现阶段我国不宜实现寿险投资证券化 The international life insurance investment industry has witnessed a trend of securitization in recent years. However, the proportion of securitizations in different countries and regions varies greatly. In addition to government regulation, the most important factor is the economic development in various countries and regions and the maturity of the capital market. China is in the stage of economic take-off, the capital market is not yet mature, long-term life insurance funds in the capital market is difficult to find a matching investment tool, therefore, our country should not realize the current securitization of investment in life insurance