The Life Insurance Company Funds The Use Of Risk Management Of

In the life insurance corporation of our country, the risk of fund application and management is the problem that attention is paid to by the life insurance industry for a long time. With the development of our country insurance industry, the insurance fund is constantly strong in the scope, and also constantly thoroughly spreading out about exploring fund application problem of life insurance. Owing to the management particularity of the life insurance Corporation, the Corporation is also faced with the special risk at the aspect of the fund application. So the study of the application and the management of the fund is also gone forward to seek some special fund management method and measures. According to the style of writing and the logic sequence of thesis, the problems discussed in the thesis are as follows: (1) The risk characteristics and the risk prevention of life insurance corporation fund application.The particularity of source about life insurance corporation fund has decided the special requirement at the aspect of the fund application of Life Insurance Corporation. To great extent, it has decided the life insurance fund that has its self-unique attribute. Following the rational faculty person's hypothesis in the economics, the life insurance corporation takes the income maximum as the purpose in the capital market. But owing to characteristic and the function of life insurance, the life insurance corporation is more detested the risk than others. The same with the other fund application, the life insurance fund application will be faced with all risks in the capital market, and some risks that are different from the general fund application the life insurance fund application also will be faced with at the same time. When the life insurance corporation is carrying on the fund application policy decision, it firstly thinks over the risk level that it can bear. Therefore at source of fund– fund attribute – risk of fund application, these three aspects exist one kind of inherent logical relation. The life insurance corporation source of fund chiefly come from the debt, and has the very big difference from other funds in source, structure and mobility, and possesses unique fund attribute, and also asks mobility, safety and return at the fund application. The general fund application risks include the price risk, the violation of contract risk, finance risk, rate of exchange risk, inflation risk or purchasing power risks and the mobility risk etc. This part introduces some built-in control methods of the regulations policy and control measure of risk control. Advanced country supervision chiefly show in the requirement to allow income, capital and property classification and proportion restriction etc. Also, the constructions of the built-in control system of insurance company still need to be strengthened in the fund application.(2) Theory to the risk management of life insurance fund application This thesis begins with the fund application risk of the life insurance corporation, and recommending some corresponding theory, viewpoint and methods about risk management and the risk-guarding methods. Combining with the particularity of life Insurance Corporation, this part introduces the assets disposition based on the modern investment theory, and seeks practical effect as well as application in the life insurance corporation.In the ALM theory, the comparatively typical method include "cash flow matching" ,"test of cash flow", as well as "immunity technology". It carries out the synthetically management to the capital and property, and making capital and property and the obligation in the scope and speed and on the allotted time structure makes the requirement of satisfied obligation of capital and property.Risk value of the life insurance corporation can effectively forecast the capital and property's change what probably will occur. Through this method the insurance company can control the biggest loss and makes one kind of adjustm...