| After china's WTO membership, the insurance of our country, especially life insurance face the enormous challenge, the insurance of our country starts relatively late and the foundation is relatively weak, wants to compete with foreign capitals fairly under equal conditions of insurance company with rich strength, must devote to accepting insurance and insurance investment. At present insurance accepting profits wholly today are showing a tendency to drops, People realize insurance invest more and more, especially importance in life insurance invest.This text at life insurance feature long period and saving features expound the fact feasibility and necessity that life insurance invests. Our country interest rate 8 times of downward modulations in successions since 1996, under the specific economic backgrounds a serious problem in profit decrease appear in life insurance generally, It becomes one of the important means to save the life insurance that the life insurance makes the investment. Invested in and begun with the eighties in insurance of our country, because there were not relevant laws and regulations to retrain at that time, A lot of questions have appeared in the investment of life insurance, some questions are still left over in the life insurance in investment until now, How to solve the making the investment industry of life insurance of these problems and further development in our country?This text has been described from three respects: First, set up the scientific insurance mechanism of investment decision from tactics, method of making the investment. Second, develop the management in debt and asset inside the insurance company; take precautions against the risk of interest rate from microcosmic. Third, perfect the investment environments of life insurance, including perfecting relevant regulations, accelerate economic system reforms of capital market. |
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