摘要：近几年来，我国保险业发展迅速，保险业积累了大量的保险资金，保险资金的合理运用成为亟待解决的社会问题，而我国现在对于保险资金运用的渠道狭窄，在运用过程中缺少改革与创新，保险资金运用结构不合理，资金运用率低下，针对这一系列的问题，本文主要对我国保险资金运用存在问题进行了分析，并对改善保险资金运用的对策提出了建议

关键词：寿险资金；证券化；投资方式；风险

Abstract: In recent years, the insurance industry in our country is developing rapidly ,it  has accumulated the massive insurance funds ,how to use the insurance funds has been an urgently problem to be solved.But nowadays,the channels of our country for insurance funds utilization is narrow ,the funds utilization rate is low, Based on the these shortcomings,this paper mainly analyzes the existing problems of the insurance fund use in our country, make recommendations and opinions to improve insurance funds utilization .

Keywords: life insurance funds  Securitization  investment method  risk

　　尽管寿险证券化的引入具有相当的必要性。但是，寿险证券化是一个复杂的系统工程，其成功的构建受到法律环境、资本市场、税收政策、金融监管等诸多环境的约束，离开这些环境的有力支持，寿险证券化的效率将无法实现，同时还会带来额外的系统风险。以下就我国目前实施寿险证券化存在的一些障碍及其对策建议展开讨论。