| Along with the insurance market of our country openingcompletely, market competition will aggravate constantly andthe profit rate of insurance serve is getting more and morelittle. Furthermore, The phenomenon of loss will be arised.Therefore, the key of insurance survival lies in raising gainrate of stock investment and investment profit can supplementprofit of insurance serve. However, how to control the highrisks of stock investment efficiently has become the majorproblem that faced with insurance company. Considering thefeatures of insurance fund sufficiently, this paper elaboratedsystematic and nonsystematic risks in detail which is facedwith in the process of stock investment, and then measures therisks of investment by the method of quantitative analysis. Onthis foundation, this paper have established risk model ofinterest rate in the stock investment of our insurance companyand then studied the influences to the total profit rate andsolvency from the assumption of strict controlled andmarketization of insurance fee. In the end it analysedsystematicly for guarding against and controlling the risks ofstock investment. It includes establishment of system forguarding against risk, the principles of risk control,designing organization of risk management, risk controltactful option and the guarantee of risk control.
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