Life-Insurance Investment Methods Study

After China join the WTO, domestic insurance companies will definitely face inhuge price threaten come from foreign ones never haven before. At that time thetraditional insurance profit will disappear. The main profit will be investmentreturn according to the international practice. On the other hand, domesticinsurance companies have fallen in the difficult position of standard interestcontinuously fell down eight times since l997. In order to assure the enough payback ability and the insurance company's profit, raising investment profit is anurgent task to every domestic insurance company especially the life insuranceones. We wi1l research the invest channel of life insurance company through theeconomic way avoiding the government limited po1icy. Firstly, we'1l study thespecial feature of life insurance fund and its relationship between life insuranceinvestment. The result is that life insurance investment is necessary and feasibleand different insurance product has different influence on life insuranceinvestment. Secondly, we'll analysis the risk of life insurance investment and itsinvestment combine. Thirdly, we'll analysis whether different investment methodsuits with life insurance investment one by one. Finally, we'll choose theinvestment method suiting with our country based on our country's condition andthe experience of foreign country especialIy Japan, Singapore, etc.