Study The Legal System Of Supervision On The Investment Of Insurance Funds

As the rapid development of modern insurance, the investment of insurance funds plays a very important role in the insurance industry. Therefore, the international society begin to pay more and more attention to the legal regulation system of the investment of insurance funds. At present, most of countries and regions in the world have established their suitable legal regulation system of the insurance funds investment. Based on the comparative study of international advanced experience, the paper summarizes the international advanced experience of the legal regulation system of the insurance funds investment. After the analysis about our country's existing legal system, we affirm our achievements of it, also need to face the problems of the existing regulatory system and analyze the causes. On this basis, the paper proposes some improvement suggestions to our existing regulatory system hoping to make some adapts.So, this paper is divided into four sections.The first section is about the theoretical basis of the supervision on the utilization of insurance funds. When we do research on a legal system, usually we start both from the rationality and the necessity of it, so does this paper. Here, first we do some research on the two kinds of insurance regulation theories and do necessary reviews. Then aiming to the supervision on the utilization of insurance funds, the paper explores the rationality and the necessity of it from two different angles of the economics and the law.The second section is about the comparative study of the legal system of supervision on the insurance funds of the main countries and areas in the world. Here ,the paper first simply introduces two international popular regulatory models of the supervision on the utilization of insurance funds, and make some necessary reviews. Then, the author select several important countries and regions which are very typical, and perform comprehensive introduction to their respective existing regulatory systems on the utilization of insurance funds. Finally, through such comparative study, the author summarizes the international success of the legal systems, and hope to provide some useful reference for our perfects.The third section is about our country's existing legal system of the supervision on the utilization of the insurance funds, which includes its historical context, the present situation, problems and the analysis of these reasons. Here, the paper goes to an important part. In this part , the author reviews the development of the legal system first, and then introduces the present situation of the existing regulatory systems on the utilization of insurance funds. On the basis of a clear understanding of the construction of it, the author points the problems of our existing regulatory systems. Finally, combining our conditions, the paper does deep cause analysis, which can help us find the perfect way.The fourth section is the last part of the paper, which is also the most important one. In this part, the author proposes some improvement suggestions to our legal regulatory system on the utilization of insurance funds. First, combined with the second part of world advanced experiences and the influence of the financial crisis to the market of insurance, the author points out that we must choose a tempering way in the legal regulatory system on our utilization of insurance funds. Then, on the basis of all sections above, the author gives some specific improvement suggestions to our legal regulatory system on the utilization of insurance funds from both the macro and micro levels.