A Study On The Insurance Portfolio In China

This paper faces to the problem of the utilization of insurance fund. It adopts the method that combines the theory study and qualitative analysis. It uses the risk-profit theory, portfolio theory and investment policy decision theory when analyzing the investment pattern fit for our country's insurance. Establishing the portfolio model, analyzing our insurance capital's portfolio by means of mathematical program and drawing the relevant conclusions. It compares the utilization of insurance fund between our country and other countries, analyzes the international trend of insurance invest and the successful experience on the utilization of insurance fund in developed countries.The paper's main body includes six sections.The first section researches on the theory of insurance investment. Introducing risk-profit theory, portfolio theory and modern investment management theory, includes property-debt management theory, portfolio management theory and invest risk management theory. And analyzing the insurance portfolio.The second section studies on the insurance portfolio abroad and their features, summarizes their successful experience.In the third section, it reviews the history of insurance investment in our country, analyzes the present conditions and risks and summarizes the features.The fourth section analyzes the factors influencing our insurance investment, includes policy and law, economy basis, interior management and persons of ability.The fifth section discusses the probable investment ways in our country. Analyzing the profit and risk of insurance investment in our country recent years. It establishes insurance portfolio model, calculates the proper proportion at different expecting profit.The sixth section puts forward the suggestions on improving our insurance investment.