The Study On Problem Of Insurance Fund Investment Proportion

With the implementation of <<new insurance law >>, plus a series of insurance investment announced measures for the administration of insurance capital, China again raised everyone's attention.In recent years, as China's rapid development of insurance, insurance capital scale in the enlarged, and also increased is insurance funds, can say insurance has entered a rapid development period. In order to meet the insurance business and fierce competition in the market need, insurance investment activities produced, and it has become an important insurance company, the main business with insurance and equal. The insurance market in gradually open, if the underwriter want to make a fortune, but solely rely on insurance business, it is very difficult. Through the insurance fund investment and get huge return, which is conducive to the development of the insurance company. Investment profits can not only losses, but also can direct business around the vast majority of insurance company.Based on the current status quo of insurance capital, at present our country insurance investment problems at the same time, makes a deep analysis of the use of insurance capital, with several major insurance developed country compared to find differences. This paper object of study for insurance fund investment proportion, so as to find out the configuration can guide and solve the problem of insurance funds unreasonable the optimal investment proportion. This research method is combining theoretical and empirical analysis on insurance asset allocation proportion, based on the analysis of the existing study and compare the three insurance investment model, and finally opted for our country insurance investment proportion at measuring model, and combined with the insurance industry related data, through this model reasonably determine insurance capital from our country the optimal proportion, based on this, advances some effective Suggestions for Chinese insurance funds, efficient and reasonable use of practical significance.