The Research Of The Legal Regime Supervised By The Insurance Invests Under International View

Accept insurance and investments of insurance funds are both significant profit-earning sources for insurance companies. However, affected by old convention, insurance companies in china always tend to pay much attention to the accept insurance business to rarn premium while hold an ignorant attitude towards the utilization of insurance capital by depositing large amount of insurance premium in banks, which means investment with insurance funds was not on the healthy development way .With the development and innovation of money market, the world insurance's function is more and more important, and become the factor for insurance's development. Insurance investment not only determine the price and profit, but also is very important for country's economy. Investment receipts are the main channel of a cover underwriting losses and the pursuit of high returns.The importance of insurance investment is indubitable. As the time theme , opening, innovation and development also give insurance investment a wide prospect. But under time background with a high venture, how to make insurance investment development healthily by intendance system especially the legal intendance system is one of the most important affairs many fund intendance department concerned all along. And the same situation occurs in our country.This paper mainly through overseas investment insurance regulatory legal system were studied and analyzed by comparative analysis and empirical analysis of the United States, Britain, Germany, Japan, Taiwan and other countries and regions in different investment insurance regulatory supervision of the legal system and made the appropriate background Analysis and evaluation, then find foreign investment in insurance regulation of the general characteristics of the legal system, which recognizes and guarantees the diversity of investment insurance, the insurance limit of the ratio of investment, property and casualty insurance concern, the Life Insurance differences in the structure of investment and securities investment to strengthen the management of insurance funds and refining investment norms, further analysis of the international insurance investment trends in the development of performance monitoring, mixed supervision system will be fully replaced by the regulatory system, relax control of the insurance market trends Obviously, the increasingly become insolvent core supervision, insurance supervision of building the legal system more perfect. Through the above comparison analysis, enabling our country to learn from the experience of overseas regulatory supervision of insurance investment perfecting the legal system, not a confusion or blindly copy of the embarrassing situation of the legal system is not helpful.