Study On Investment Channel Expanding Of Insurance Fund In Our Country

Our country's insurance has been developed rapidly since it renewed in 1980. But there also appears new problem, that is narrow fond investment channel and low fund investment profit, which has become the bottleneck to our country's insurance and endangered insurance's sustaining and sound development. So, expanding insurance fund investment channel, raising fund investment profit have become the heated issue that be studied and focused on in theory field and executive department. Based on these, risk controlled effectively was considered as precondition and expanding insurance fund investment channel, raising fond investment profit were considered as the objective of study, and how to realize this objective was deep studied in this paper.At first, the background and the meaning of the thesis's selection was explained through the place of our country's insurance, questions that existing and the meaning of expanding insurance fund investment channel. Then the investment situations of insurance fund in our country were analyzed, combining the actual investment circumstance in China the fund investment channel that can be expanded and the methods and approaches for solving problems were found out. The feasibility of expanding fond investment channel was studied in theory; and the practice of expanding fund investment channel was studied, too. Because expanding fund investment channel will bring high risk, and the principle of "three nature is given consideration and safety first" must be abided by in insurance fund investment. Constructing a system against risk to assure the security of insurance fond investment will have more realistic meaning to the problems solving. For these reasons, the system against risk constructing after expanding investment channel and the law perfecting were discussed from macroscopic and microcosmic aspects at last.