| Recent years, with the rapid development of China's insurance industry and the insurance funds becoming larger and larger. The insurance industry in our country has reached the phase of rapid development. However, behind the rapid development of the insurance industry, some problems such as lower revenue and insufficient repayment have become increasingly prominent. This is because China's insurance companies only attend insurance compensation function.The activity of insurance investment is the need of management and the market competition, it has become the main business of the insurance companies. In open insurance market, it is a difficult thing that insurers want to obtain great profits depending on the direct insurance. The development of Insurance companies is benefited from the return of insurance investment. This return on investment can not only compensate for the loss of insurance compensation, but obtain extra profits.China's insurance capital investment has just appeared lock of investment experie- nce. It's no doubt that there is a long distance between our country and developed countries in the use of insurance funds. There are many issues, such as the low rate of investment income, narrow investment channels, the lower efficient use of the capital investment and the irrational investment structure and so on. So how to diversify the investment to reduce risk is very important, especially as China's insurance fund be- come larger and larger and varieties can be used invested become more and more.This paper stars from the current situation of our country's insurance. Then it analyses the situation of our country insurance fund's utilization in system, and also explain the reason that how to appear this situation. At the same time it analyses comparatively some insurance investment portfolio in developed country, through which we find difference characteristic among them. Afterwards investment portfolio theory is introduced in the paper, as well as the empirical study about our country insurance trades is conducted. Thus insurance company's most perfect investment portfolio in our country is obtained. Of course the conclusion is drawn simultaneously. According to the optimal investment ratio, insurance companies can adjust their own investment structure, to reduce invest risk, and to obtain higher investment return. This paper also carry out to further research and put forward the corresponding suggestion. |
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