China's Insurance Funds To The Use Of Legal And Regulatory System To Study

It is known by the world that there is the most promised market in china. Along with rapid development of insurance, insurance outlay meet a boom, beneficial result of insurance has not got target and impact of insurance has been so limited because backwardness of investment business. Backwardness in the investment becomes a critical problem in Chinese insurance market, which cripples competition of domestic insurance company. Due to the stepping down of the direct profits in accept insurance, the insurance company has to gain more returns from the insurance investment. Loss of the insurance only can be compensated by enlarging investment channels and gaining higher margin and less risk. So it is significant to research on the improvement of insurance investment system.The descriptions of text can be divided into four parts to this problem.The first part application is related with the application of insurance funds and its law supervise meaning, concept etc.The three later parts research the method of the law supervise on insurance capital's application and bring up the my standpoint with this suggest.The first part is the fundamental theories of legal supervise on insurance capital's applications. First to make clear the characteristic and meaning of insurance funds, this is the premise that understands insurance funds applications. The next is in-depth analysis of he funds source and construction. At last discussed the basic theories of legal supervise on insurance capital's application. And discussed the purpose of insurance funds application is to insure the order of insurance capital application. It is also about the necessity of legal supervision on insurance Funds' applications.The second part is about the legal supervision of insurance funds application in main countries and areas in the world. This section put an emphasis on analyzing the supervision system of insurance funds application in developed countries and newly-developed industrial countries and areas, and compared them. Summarized the differences between different countries and areas, and pointed out other countries and areas' valuable experiences of other countries in reference to complete ours.The third part based on the above mentioned study of some developed legal system supervision of insurance funds application, the thesis indicates the problem which exists in our insurance investment laws and gives some advices to develop our laws. In this part it will bring up some individual standpoints, and is textual point. With all the theory above and foreign investment experience, the author believed that it should be in the spirit of security of insurance investment in this stage. And conforming to tendency of economy development, we can sure that legislator would loose their control of insurance investment.In the forth part ,further discussion has been made under this idea that make some suggestion to complete legislation frame: To gradually loose control of investment to increase efficiency of utilizing insurance fund, to set up proportion to guarantee security, to complete system of fund operation. Those three key points is fundamental measure to solve the problem.