The Study On Investment And Operation Of Rural Social Endowment Insurance Fund In China

Rural Social Endowment Insurance Fund is the Core problem and the Primary link in the rural social endowment insurance. Chinese scholars have done a lot of research on the investment operations of rural social endowment insurance fund, but most of their research are learn from foreign experience in the insurance fund investment operations in general, ignored the special nature of Chinese rural and Lack of systematic. Foreign Insurance Fund's investment operations are based on its mature capital market, complete with high-quality legal and operational on investment. Compared with abroad, the situation in China is different in many aspects. So. this paper suggests that the Study on investment and Operation of Chinese Rural Social Endowment Insurance Fund should be based on China's national conditions, which especially to be lack of financial supply in rural areas. Rural Social Endowment Insurance Fund should be "taken from the people, benefit for the people", we should set up rural endowment insurance fund bank to provide insurance card as security for loans for farmers and Small and medium-sized enterprise through business innovation and the way of security innovation. The bank should make the value of the fund increased and reflect the economic and social benefits in fund operations. At the same time, we should set up rural endowment insurance fund administration in charge of the early stage of rural endowment insurance publicity, establish a new information management system of Rural Social Endowment Insurance Fund, supervise the rural endowment insurance fund bank and the payment of Rural Social Endowment Insurance Fund, assist bank to do a good job in that credit examines and verifies Credit Audit,make sure the management and the investment operation is separated.