Solvency Of Insurance Enterprise And Insurance Investment

Entering 21st century,with new international and domestic environment,insurance industry of China is being faced with new chances and challenges. Especially for China has been a remember of WTO,many famous international insurance companies with large funds and specialized technique may divide up Chinese insurance market. How insurance industry of China can develop under severe competence has been a focus,for it only in junior period of development.Insurance industry is special for it is managing risk. Its stable operation will affect its development;also affect social economy and security. The most important problem to insurance industry's stable operation is its solvency. Insufficient solvency is just the core difficulty facing with Chinese insurance industry in future. Which reason resulted the solvency crisis and how to lighten it,and how insurance investment will raise solvency,which is the paper tried to study.Firstly,the paper described its present situation for insurance industry development in home and overseas,analyzed the chances and challenges to Chinese insurance industry for knowledge economy and joining in WTO. Secondly,centering on insurance company's business,the paper analyzed how to decide premium,the theory of drawing reserve and insurance company's profit. Then,the paper analyzed solvency's content and its measuring standard. Solvency is insufficient in Chinese insurance industry was stated in the paper,the reason of the crisis and its solution ways were also analyzed. Finally,the paper analyzed how insurance investment may raise solvency of Chinese insurance industry,and gave suggestions to insurance investment ways in China getting lessons from "Japanese Crisis...