保险资金运用是否安全关系到我国保险业的持续健康发展。保险资金运用与法律风险的内涵与外延均需进一步明确和清晰。当前，我国保险资金运用的法律风险主要表现为制度性法律风险、交易结构固有法律风险或不合理而导致的法律风险、交易条件或交易协议安排不科学不合理而导致的法律风险、交易操作或履行不当而导致的诉讼仲裁、民事、行政或刑事责任风险，必须针对不同的法律风险采取有针对性的防范措施。
The Safety of insurance funds investment relates to the sustainable and healthy development of insurance industry. The intension and extension of insurance funds investment and legal risk require to be clarified and cleared. Currently，the risk of insurance funds investment mainly present as：systemically legal risk；legal risk caused by inherent shortcomings or illogicality of trade structure；legal risk caused by unscientific and unreasonable arrangement of trading conditions or transaction agreement；litigation and arbitration risk and civil，administrative or criminal liability risks resulting from improper trading operations or performance.Thus it is necessary that different targeted preventive measures are taken to the specific legal risk.
