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保险资金进入证券市场,是世界各国和地区的普遍做法。在我国,由于国情的特殊性,对保险资金运作方向有很大限制,在特定环境下,对于规范保险基金使用,减少保险公司的盲目投资,防止新的不良资产的产生,起到了积极的作用,但随着保险业的不断发展和市场经济的逐步成熟,它的消极作用也日益显现。因此,国家有关部门于1999年10月26日出台新的政策,规定保险资金可通过证券投资基金进入证券市场,此举不但对我国的保险业与证券业产生了深远的影响,也影响了《保险法》的内容。
Insurance funds to enter the securities market, is a common practice in all countries and regions. In our country, due to the particularity of national conditions, there is a great restriction on the operation direction of insurance funds. Under certain circumstances, it plays a positive role in regulating the use of insurance funds, reducing the blind investment of insurance companies and preventing the emergence of new non-performing assets However, with the continuous development of the insurance industry and the gradual maturity of the market economy, its negative effects have become increasingly apparent. Therefore, the relevant state departments issued a new policy on October 26, 1999, stipulating that insurance funds can enter the securities market through securities investment funds. This not only has a profound impact on China’s insurance and securities industries, but also affects the “ Insurance Act ”content.