The Research About Risks Prevention And Supervision Of The Investment Of China's Insurance Funds Into Stock Market

For a long time, China's insurance capital investment in the stock market on the existence of the narrow channels, intractable low yields, which is to restrict the development of China's insurance industry, facing the global financial crisis in 2008, China's insurance industry suffered an unprecedented disaster; the insurance funds investment return rate is less than 2%. What has caused such a situation? I think the first reason is China's imperfect capital market ,second is lacking of risk-averse financial derivatives market, third ,investment channels for insurance funds is too narrow, the investment structure is irrational and so on , which eventually lead to China's insurance capital gains rate is relatively low and the risk of insolvency is too high. Now,China's insurance industry is facing such difficulty problems: how to widen the investment channels, to optimize the investment ratio, to establish an effective risk control and monitoring mechanism, to reduce the risk of insurance funds into the market, to raise capital gains rate. These are important issues which must be addressed.This content can be broadly divided into five parts; the first chapter is a comprehensive survey of China's insurance funds how to enter the capital and the development process of China's insurance funds. Chapter II, China's insurance funds are analyzed in two views, which are the general insurance funds risk and the specific insurance funds risk. Chapter III ,expand the discussion of China's current insurance funds'risk of entering the capital ,and finding shortcomings of the current insurance funds'risk prevention and control measures. Take the investment regulation and supervision of stocks, bonds and overseas investment for example. Chapter IV,prevention and monitoring mechanisms of the developed countries'insurance fund risk of the capital market risk were analyzed. ChapterⅤ,in order to reduce the investment risk of insurance funds and ensure the health and the development of China's insurance industry, china's insurance market for risk prevention and monitoring mechanisms should be established by studying developed countries'success of preventing and monitoring the market risk.