Study Of China's Insurance Funds Investment Channels

With the developing competition of the insurance industry, it appears more and more important for the use of insurance capital. In recent years, it has been flourishing in insurance market with the time going, which provides abundant capital source for the use of insurance capital. The favorable policies and improved investment environment result in better development opportunities for investment of insurance capital. There is still a long way to go to keep up with the developed countries since the time for insurance investment is still shorter. The general view for insurance operation is still the traditional service and the supervision before was a little stiff. The investment efficiency is obvious low; the investment channels are limited; the structure is unreasonable; capital management system is backward. Simultaneously, with the expansion of the size of the investment, the risks are more and more because of the more assortment of the insurance. It has become the priority to avoid insurance risk and improve the effect and profit now.This essay studies the fundamental theory of insurance capital first and introduces briefly the operation in the developed countries then summarize the useful experiences for us. It analyzes the existent problems in our operation and provides strategic suggestions. At last it gives out a bright panorama of insurance capital operation in the future.