Coping Strategies Of Chinese Insurance Companies, Insurance Funds Enter The Market "policy

China insurance industry has been one of the fastest areas in the last twenty years, which keeps an average yearly growth of 30%.the total assets of insurance industry increases largely and the investment capital of China insurance companies also expands rapidly, which leads to the insurance investment become more and more important to the china insurance companies, however, the return of insurance investment goes down in recent years, for the undeveloped China insurance industry and the strict regulation in investment channels by china government, and with the entrance to WTO, china insurance industry will completely open gradually and many foreign insurance players come into china market, so there will be a huge competitive pressure on China insurance companies in near future, so it's very instantly and necessary to improve the management capability of investment capital, and it's also concern to the continuance and healthy development of china insurance companies and entire china insurance market.To help China insurance companies enhance the investment profit, there are series of documents and rules issued by state government and related departments since 2004. The contents include that adding investment channels of China insurance companies and permitting the insurance capital be invested into stock market directly, which offers a good chance and a very well policy environment china insurance companies. While china insurance companies are all lack of the experience of operating insurance capital directly in stock market, and also face the problems of how to control risk, how to keep persons with professional investment skills, etc. this thesis first introduces the successful theories and different supervisory policies of foreign insurance companies, analyses the investment practice of them with abundance data, shows the details of foreign insurance companies in investment channels, investment proportions, scales and return level of investment, explains the reasons of foreign insurance companies' success. Then describes the investment situations of China insurance companies now, educes the questions and reasons of China insurance companies faced by compare in investment management patterns, capital strength, return level of investmentbetween china and insurance companies. Then analyzes the opportunities and challenges of China insurance companies investment faced under the new policy of permitting the insurance capital into stock market directly. And Proposes several suggestions of setting up capital Management Company, using scientific investment portfolios to disperse risk, attracting and keeping talents from international, innovating new insurance products and so on.At last, the thesis takes China Pingan Insurance Company as an example, mostly analyses China Pingan's investment management patterns, investment channels, investment proportions, scales and return level of investment and related contents, points out its questions existed in investment. Finally puts forward China Pingan how to elevate its investment management level, win competition advantages through learning from foreign insurance companies and own investment practice under the good opportunity of permitting the insurance capital into stock market directly.