China Insurance Fund Investment Strategy Research

Insurance investment is the most important part for modern insurance. After twenty years development, insurance industry in our country has made great achievement. Insurance companies have accumulated great money. With the social and economic development and changing, China's joining the WTO in particular, the environment in which the insurance operating changes greatly. The fluctuation of interest rate, rise of loss ratio, development of capital market and competence of international insurance magnate, all of these make insurance investment necessary and important to China's insurance company.In facing the competition, insurance companies now attach a great importance to insurance investment strategy. From analyzing the asset/liability structure to making investment goal for investment management, the whole process of investment strategy is critical to insurance company.The present paper is composed and developed on the basis of above-mentioned background. Insurance investment strategy is most important for our insurance company, due to the importance of insurance fund and the investment surrounding.The first part of the paper seeks for the significance of insurance investment and development of our insurance investment. The second part introduces the insurance investment theory mainly for financial asset. The third part analyzes the whole process of insurance investment. The forth part makes a comparison in the insurance investment practice of developed countries. The fifth part is the core of the paper, which develops some practical strategies for our insurance company at present. The paper finalizes with some predication of future insurance investment.