The Investment Risks Of The Chinese Insurance Industry Research

Insurance is a special industry of managing risk. Risk management is keeping in that since the beginning day. Chinese insurance market is opening abroad step by step, and Chinese insurance is also bringing in line with international market. It is getting more and more important that Insurance risk analysis and management, and has become one core content of technology management in Insurance. Domestic Insurance enterprises usually do have some disadvantages such as over high insurance premium and low operation efficiency of Insurance capitals, which effects severely domestic Insurance enterprises acclimatize themselves to new requests during reformation and opening, and is harmful to developing of Chinese native Insurance and competition with overseas rivals under market economy system. In above, it would be very significant that we should analyze risk of capitals entering into the market and investment risk, research first-class technology analysis ways and fine capital operation skills of international Insurance enterprises, and find an adaptive capital operation mode.This article takes elusion risk of capitals entering to the market and improving investment efficiency of .Insurance capitals as a key point, and points out it is an inevitable trending, after entering into current situation of Chinese Insurance, risk of capitals entering to the market and investment risk domestic Insurance enterprises facing to. But because unconsummated Chinese capital market is frail ability to eliminate risk, finding feasible ways to avoid risk and heightening capital operation efficiency seems so essential on basic of utilizing abroad successful experience and ting in with ourselves practical situation. In succession, it analyses and compares capital investment with abroad Insurance, and puts forward to developing Chinese Insurance investment ways and supervision rules.Due to requests to insurance capital is not only in security, but also in profitability and liquidity, so how to operate insurance capitals safely andefficiently under official polices would be discussed as emphases anddifficulty.For stronger practical meaning and maneuverability of researching result,demonstration analysis and comparison analysis are adopted in thisarticle.