| 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 experience. 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.Pervading the rapid expansion of the high technology, and the trend of economic globalization, high-tech industry has become the key driver of social economy growth and the important indicator of comprehensive national strength. For becoming an import global player, China need develop high-tech enterprises which have been the main force of high-tech industy and the spotlight of national economic growth. In recent years, the new high-tech enterprise of our country is keeping developing rapidly too, all kinds of new high-tech enterprises have already grown from 14533 in 1995 to present 37489 families, these enterprises have made the contribution hard to assess in driving the scientific and technical innovation of our country, promoting the transformation of scientific findings, promoting national economic development etc.. However, in the course of its development, the difficult contradiction of financing is conspicuous day by day, the shortage question of the fund becomes and restricts one of the main obstacles that the new high-tech enterprise develops.This text regards financing theory as the breakthrough point, has analysed the inherent relation between financing and new high-tech enterprise development; On the basis of analyzing to the financing existing problem of new high-tech enterprise and origin produced, through comparing to the international financing mode of new high-tech enterprise and performance analysis, and then propose the construction of the financing system of new high-tech enterprise, is based on modern market-oriented financing system, establish suitable financing environment, the mechanism and mechanism of direct financing that perfect the bank and finance indirectly.We describe the main financing methods for high-tech enterprises, including national government financing, commercial bank credit financing, capital market financing, and risk investment. It purposes to classify various financing methods and find homogeneity of these investment methods, using direct/ indirect investment as the standard of classification, we analysis the common method of insurance capital investments in high-tech industry, then prove the feasibility for this type of investment methods. |
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