Study On Application Of China's Commercial Insurance Funds

Along with the development of China's insurance industry, the insurance industry competition intensified and the application of insurance funds has become more important than ever. Recently, the application channel for insurance funds has been continuously widen and the investment environment has been improved which has brought a good opportunity for the application of insurance funds.The first chapter, this part analyzes the attribute of insurance funds and the use principle of it. Then, it points out the importance of insurance funds application.The second chapter, this chapter compares the features of insurance application in USA, Britain, and Japan. Then it analyzes what we can lean from them.The third chapter, the part discusses the development status of insurance funds application in China. It then analyzes the characteristics and major problem in insurance funds using.The final chapter, this part proposes insurance companies in our country should choose an appropriate investment-management model in the process of applying funding according to their own characteristics. They should also match their asset and liability reasonably according to the source of funds. At the same time, insurance companies should also pay attentions to using the overseas investment channels. Otherwise, in order to effectively control the investment risk and to improve insurance funds application level we should also constantly improve relevant policies, laws and supervising system.