Fund Investment And Risk Control For Domestic Life Insurance

Experiences of countries with mature life insurance industry show that life insurance companies are among the most significant participants of the capital markets, and the latter has been an important source of profit for the former. With the trend of innovation and deregulation of the multi-dimensional international insurance market, the risks which the life insurance industry facing are more complex. Quite a few life insurance companies have already gone bankruptcy in recent years.Compared with developed countries, the domestic life insurance industry and the capital market are both in the infancy. We still have a long distance, especially in domestic life insurance investment. But with the steady growth of the financial market, the investment and finance functions of the domestic life insurance industry will become clearer. The return from fund operation plays an important role in domestic life insurance company. Consequently, it's necessary for the domestic life insurance industry.to build and perfect the pattern of domestic life insurance investment, in order to improve the investment revenue and solvency ability.This thesis, taking fund operation of domestic life insurance company as a study object, zeroes on the problems of risk control in fund operation in domestic life insurance company, bases on theories in economics, insurance science and investment science, points out the problems existing in the fund operation of domestic life insurance company. Finally, the thesis offers some effective countermeasures to solve those problems. On the one hand, the life insurance company should reinforce self-construction and to improve the fund operation, on the other hand, the government should improve macro economic environment.The thesis aimed at discussing control of investment risk of domestic life insurance, is composed of four parts. The first part is a brief introduction for investment of life insurance companies, including the background and the foregone research of this field, meaning of the thesis' s selection, and the structure of this thesis. The second part makes analysis of the available investment channel and the risk of fund investment of domestic life insurance. The third part studies the present condition of life insurance funds management, point out existing problems and risks in fund investment of domestic life insurance companies. The fourth part comes up with the perfection advices of effective control of investment risks of domestic life insurance company, embracing establishment of the investment risk management system of the domestic life insurance industry , the foundation of internal-control framework, the application of funds management theories and investment theories in life insurance funds management, to strengthen the investment risk control of domestic life insurance from the macro supervision and micro management.