| In October 1999, the PingAn Insurance Company of China firstly released the investment connected insurance in Shanghai to meet the needs of some insurance customers' individual investments. The investment connected insurance is an insurance product which has the insurance guarantees with both investment and finance function as the integral whole. It not only provides customers with the death from disease and accident and whole disability etc.,and also satisfies customers' needs of properly protecting and increasing the value of inventing and financing. A part of the premium that customers hand over is used to purchase the insurance guarantees, the another part is used to purchase the investment unit of the independent investment accounts that are established by the company. Experts of the insurance company operate the investment accounts, the customers posses all the investment income and at same time undertake all the investment risk.Since June 2001, the operation of the PingAn century finance insurance is not really ideal. At the same time, many foreign capital insurance companies will be permitted to run their business in China after China's entering WTO. The Chinese insurance companies are faced with the new questions. They must know how to make use of the investment account funds, and increase more profits for the customer under the safe premise funds. The article discussed the investment account about the property distributes construction, income, short date investment etc., analyzed the problem about the investment account funds operating, and then found out the ways to solve the problem as following: to increase the investing outlet, such as investing the financial bond, business enterprise bond, stock market and pawn loan etc. about the property construction, primarily to invest in long-term bond, to attend the national point item, such as bond about Yangtse gorges, railroad etc., to adopt the term of segmental investment and to roll over to wait the method gradually. In order to strengthen the flexibility of portfolio , we should determine the upper limit of the outlet other than the bottom limit, adjust the each investment comparison according to the variety of the market in time; At the same time,we should also increase the investment species, especially the bond and the fund, then we can diversify the risk. In increasing the profit, we should enhance the cooperation with banks, increase investment outlet such as the bank negotiation deposit and the entrust loan, make full use of the capital market and the advantage of organization, establish the risk reserve system.There are some new views proposed about how to use the funds to get more income in the thesis. First, we should establish the risk reserve system. Second, we could use the account funds for the loan, including pop loan and entrust loan and invest in the long-term business enterprise bond and financial bond etc. Third, we should apply the portfolio theory to the account funds investment operating ,including the combination of riskless assets and risky assets... |
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