Legal Issues Of Supervision Of Insurance Investment Research

With the development of financial market and new ideas brought force about it, both accepting insurance business and investment business have equal importance in the whole international insurance industry. Insurance investment not only decides the fixed price of insurance products and companies` manage profits today, but also becomes an important form of turning deposit to investment in our country`s economy, having important functions to improve healthy and steady development in china. And the profits of investment become the chief channel in making up the loss in accepting insurance and pursuing high profits.However, to avoid the blindness and speculation of insurance companies` investment, assure the fool pay capacity and defend the profits of insurant, every country is making strict supervision to insurance investment. Our country`s "The Arts of Insurance" also stipulates about insurance investment, but much stricter than other countries, which cannot make the management of insurance company asset more efficient, so as to make the insurance company stronger and more payable. Also because our country`s insurance market is at its primary level of development, obviously insufficient in the skill of investment, person of talent, engagement and organization, some insurance companies take a great deal of risk in insurance management, which cannot be neglected. So efficient supervision of insurance investment has become the important guarantee of continuous and health development of insurance industry in our country.Insurance investment is now paid much attention to by our scholars of insurance industry and the field of law, but there is little research from the legal perspective．However, to defend the order of insurance investment and promote the health development of the insurance market, the basic work we should do is to perfect the system of law, amplify the supervision system of insurance investment and improve the form of supervision. So , based on the field of economics and law, using the method of comparison and positivism, the thesis tries to research the function of insurance investment,the necessity of supervision to insurance investment, the value of the law of insurance investment and the perfection of the law system of insurance investment, and so on, so as to be helpful to the research in the law of insurance investment,The thesis is divided into four parts:The first part explores the foundation of theory of insurance investment and its supervision. In this part the author introduces the concept and characteristics of insurance investment first,and explore the function of insurance investment from three aspects, which are the insurance company, the insurants and society. Then the author discusses theoretically about the necessity of supervision to insurance investment and the value of the law of insurance investment, that is security and efficiency. The second part compares some western countries legal systems of the supervision to insurance investment, such as U.S.A,U.K, Germany,Japan,and the region of Taiwan, then concludes their differences and similarities. The third part is about the existing problems in Chinese legal system of the supervision to insurance investment and the reason why such problems could emerge．Then in the last part,based on the first three parts, the author thinks about how to perfect the legal system of the supervision to insurance investment and puts forward the suggestions about it. That is from the aspect of macrocosmic we should perfect the legal system of the supervision to insurance investment, from the aspect of the middle distance we should strengthen the supervision power on insurance trade association itself, and form the aspect of microcosmic we should perfect companies` administer construction.