Comparison And Research On Risk Management And Control Of The Use Of Insurance Funds

The global financial crisis on the global economy has caused tremendous financial impact, and it has an important impact to the future development of the global financial and regulatory models. For the initial stage of China's insurance industry that it is still in the development, we must not only actively respond to the financial crisis and safeguard national financial security, but also to deeply understand and grasp the financial crisis on China's insurance industry challenges and opportunities, so that the crisis as an opportunity to better explore the road of development with Chinese characteristics and the insurance industry to better serve the economic and social development. The uses of insurance funds become a key factor of stable development of the insurance company for long time. Broaden the investment channels of insurance funds also means that the increase in investment risk, insurance companies also bear high risks when investment in the enjoyment of high-yield securities market. Control the investment risk of the insurance industry is the core issue solved.In this paper, I made in-depth monitoring of the status quo of the investment risk insurance funds to countries like the United States, Britain, Japan and South Korea's insurance operations and investment capital investment, and combined with the operation of insurance funds to invest and investment regulatory problems. Also, it causes proposed the establishment of insurance funds and improve the supervision system, including. The balance between safety and efficiency of a double value, prudential supervision; The supervision of solvency regulation as an insurance investment core. Build Perfect insurance investment regulatory system from the macro, meso and micro three.Analysis of Western National Insurance fund regulation experiences and lessons, and combined with China's reality, you can understand:China's insurance regulators must be to prevent risks, and promote development and protect the interests of the insured as a fundamental objective. To make comprehensive use of both market and government forces. On the one hand, play to the market this "invisible hand" of the role in enhancing the vitality of the insurance market. On the other hand, good governments to play only the "visible hand" role in strengthening the policy guidance improve the regulatory regime for the insurance industry to provide a more comprehensive system for protection.