Fund Management Model Comparison Between Domestic And Overseas Insurance Corporation

The capital operation of insurance enterprises is enriched by various kinds of economic factors. Theoretical as well as application orientated researches with respect to both macroscopic and microscopic perspective are necessary. In the field of this research topic,it's not only important to analysis the influence of government policies and regulations upon the capital operation of insurance,but also essential to study how to increase the profits of insurance enterprises under the policies and regulations.Considering the mutually promotion relationship between the capital market and the capital operation of the Western insurance enterprises,the suggestion about insurance capital entering capital market directly is regarded as reciprocal in the current market condition of China. By comparing the capital investment condition and implements between the Westerns and China,the limitations of them to insurance capital operation in our country are emphasized.By discussing the experience and lessons of the capital operation of insurance enterprises in Westerns,considering the current condition of our country,we can see the management of insurance capital operation here consists two levels,say,government policies and regulations,financial market regulations and manipulations on other macro-economic factors in one hand,management upon capital flow including fund collection and capital investment in the other hand. Chinese insurance enterprises are facing a period of transition from the business expansion character of planned economy to the operational management character of market economy. Under the current policies and regulations as well as the market situation,it is suggested to improve their management skill in the following aspects:to increase the investment proportion of the available assets to seek higher investment return;to optimize the capital structure by emphasizing the balanced management of liabilities and assets;to strengthen risk control and investment appraisal to ensure sustained and steady return.