Research On The Life Insurance Investment And Its Risk Management

Today, the competence of life insurance market is become more and more intense, life insurance investment is become a main channel of life insurance company make up for a loss of accept guarantee slip and get high profit. The result of life insurance investment not only affect the product's price of life insurance company and company's manage merit, but also decide the life insurance company's solvency and its market competition ability. Life insurance investment is become one of the main content of life insurance company's management.Because life insurance industry of China developed too late, life insurance investment is only in junior period of development. The investment channel is narrow, the rate of investment income is low, and it faced with severe problem of deficit for rate balance too. After entering WTO, life insurance company of China is being faced with challenges of many international insurance companies with large funds and specialized technique. How to develop the channels of our country's life insurance investment and raise its beneficial results, prevent and transform its risk, ensure that life insurance companies have sufficient solvency when they are faced with large accumulated liabilities after dozens years, which is the paper tried to study.Firstly, the paper describes the develop history and present situation of our country's life insurance industry and life insurance investment, points out that life insurance investment has important status in the development of our life insurance industry. Secondly, centering on the relations of life insurance investment and capital market, the paper analyzes the way of life insurance investment, and its combination with modern investment theory, meanwhile, the paper compares the life insurance investment overseas. Then, the paper make an inquiry into life insurance investment channels from practice under the suppose of develop our country's capital market. Finally, through the risk analyze of life insurance investment, the paper establishes the risk management system of our country's life insurance investment from macroscopic supervision and microcosmic control.