Study On The Problems And Counter-measures Of Fund Operation In Life Insurance Company

With the development of liberalization and integration of finance, Life Insurance Company has been one of the most important institution inventors in capital market. Since of reestablishment in 1980s', the life insurance industry has made rapid progress. Compared with developed countries, we still have a long distance, especially in life insurance investment. The return from fund operation plays an important role in Life Insurance Company. In the background of internationalization of insurance industry, it is very crucial to solve the problems existing in the investment in Life Insurance Company, which is closely associated to the development of our financial market, reformation of economic system and national economic income, on the basis of improving in our national insurance industry, insurance investment and insurance supervision.This thesis, taking fund operation as a study object, zeroes on economic situation resulting in the problems of fund operation in Life Insurance Company such as falling interest rate, unripe financial market, irrational macro economic environment, lack of talents, oligopoly in life insurance industry and bad loan in history in Life Insurance Company.Based on theories in economics, insurance science, actuarial science, investment science, and econometrics, the author offers some effective countermeasures to solve the problems existing in the fund operation in Life Insurance Company, which are summarized as follows: (1) to perfect the financial market, (2) to reinforce self-construction and to improve the fund operation in Life Insurance Company, (3) to improve macro economic environment in order to broaden investment channels, (4) to set up Life Insurance Fund in order to have a directly association with capital market.In a word, the author expounds his on view that a moderate portfolio strategy should be taken in order to pursue security, profitability and liquidity of investment, particularly to increase investing return of life insurance fund by all means in China.