Research On Problems And Countermeasures Of Chinese Insurance Enterprise Investment

With Chinese financial market gradually opening to foreign and insurance market liberalization deepening, more and more foreign insurance enterprise enter into China insurance market. Because they have rich experience in the insurance investment, they can reduce the price of insurance products to compete with China insurance enterprise. And because our insurance company investment profit rate is very low and insurance companies operating costs and operating profits are mainly from the premium income, insurance enterprise profit is decreasing and even getting a loss. Therefore, our country insurance enterprises must improve the insurance investment and compensate for the loss of insurance business by getting insurance investment profits. While development of insurance investment is neglected for long-term in China, insurance company has been faced with a low investment profit and high risk. So how to use the insurance fund on rational, prevent investment risks, and safeguard the stable development of the insurance industry is the most important problem in the insurance industry.Based on expounding the background and significance of the subject, the domestic and overseas research situation, the research ideas and content, and the research method, it expounds the basic theory of insurance investment, including the connotation of insurance investment, the principle of insurance investment and insurance investment management theory. On the basis of these theories, we choose three representative countries (the United States, Britain and Japan) which all have developed insurance and capital market to research insurance investment situation, summarize the developing trend of insurance investment of the developed countries, and get some enlightenments. And then studies China insurance investment situation, and puts forward several major problems, such as the investment channel of insurance enterprise is narrow, the investment structure is unreasonable, investment organizational form has falling behind, investment environment is not perfect, and investment risk can not be measured scientifically.Finally according to the existing problems of Chinese insurance enterprise, we put forward some effective and feasible concrete countermeasures by issuing the advanced experience of the insurance market. The countermeasures include expanding insurance investment channels, establishing effective investment portfolio, developing investment insurance products, strengthen the internal control, choosing appropriate organization form, building a good investment environment, completing the supervision system, measuring insurance investment risks scientifically.