| Recently,China's insurance industry continues to develop quickly, with the countrywide of premium income to 3053 hundred of million in 2002,the same as than increase exceed to 30%,far from hyper the same term GDP of increase. There into the type of investment product become swift and violent,insurance management to insurance investment of dependence become increase further. From long term investment return,bond and stock investment of profit rate is higher,it can make insurance fund application to capital market tropism become necessity choice。However,insurance fund application structure in our country coverage on bank account and national debt at present,these two items are in occupation of 70.6%. RMB account of agreement saving is 72.1% occupied in bank account。Along with bank rate ceaseless over the price these years,insurance fund profit rate is declined year after year: 4.3% in 2001,3.14% in 2002. Fund balance that insurance company can exercise last year is 799 hundred of million, the problem of downward bias efficiency in fund application is more and more extrusive,which impress directly on ability of payment and stability of management,it also concerns whether insurance business can persist and develop healthier.Compared with traditional insurance industry,modern insurance includes not only economic compensation function,but also the fund circulation function and social risk management function. It is a new hedge definition of insurance business which were in possession equivalent important status in modern insurance industry,furthermore insurance fund must enforce there basic aspects that reform investment supervision policy,strengthen self ability of management in insurance company and improve capital market environment impel these three aspects together. The purpose of this article is trying to further verify the... |
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