The Current Insurance Funds Investment In Stock Market Research

In last few years of insurance fund in our country rapid development and investment rate of return is relatively low it is to restrict the development of the insurance industry is main and contradictory, as of 2011 July, China's insurance company total assets of 5.75 yuan, premium income reached 905500000000 yuan, and over the years the bank deposit ratio remained at the insurance company total assets a level of about 30%, while insurance markets of developed countries the proportion of about 5%, in the insurance industry high speed development background, the huge insurance funds need to find efficient investment way and way. Investing in the stock market has become an important way to solve this problem.In 2004 October, direct investment of insurance funds in the stock market was allowed by the policy. Insurance capital investment in the stock market funds at the end of 2005 to $15900000000, according to wind data shows, end this year in July, the insurance funds into stock market value of 520600000000 yuan, in accordance with the policy of insurance funds to invest in the stock market does not exceed 20% of the prescribed proportion, at present our country insurance funds can have a maximum of a $1.07 capital to participate in the stock market, the growth rate is very fast. Along with our country insurance assets continued to expand and the government policy to further improve the stock market investment proportion of insurance funds expected, how to more effectively to invest in the stock market has become the current scholars and practitioners focus. Since 2007 October, by the United States sub-loan crisis, China's stock market began a round of sharp declines in the process, insurance funds also suffered heavy losses. The Shanghai Composite Index fell 6124 points from the peak of 1664 in 2009, along with the economic environment of the warmer, launched a wave of market rebound bottom in August and reached the 3478 point. However, the market was transformed into a narrow range of shocks in the process, most of the time the stock is maintained at 2600 points to 3100 points within the interval. In the stock market, analysis of China's investment of insurance funds in the stock market is particularly important.This paper first on insurance fund sources, properties, investing in the stock market and the principles of investment in the stock market pattern to carry on the theory elaboration, then proposed our country insurance funds investment in stock market investment philosophy, namely value investment growth stocks combination investment trend band. For insurance funds, based on mining enterprise growth potential based on long-term value investment, with the tendency to judge the band timing operation, is to represent the general trend, is also the most suitable for China's current A stock market investment mode. In this paper, the shares changed after the stock market of our country appears growth stocks of reorganization and classification, discussed their characteristics. Then, based on the analysis of current macro economy in China under the background of the stock market's long-term trend, the current economic cycle stages namely class of stagflation in the past few years, stock market performance for the sample analysis current situation of the plate will have good resilience, according to past financial data screening at the two stock markets with growth potential stock, the final judgment of the insurance funds in the stock market when what opportunities can be captured, and the establishment of Research on insurance funds investment portfolio" sound to inspect its yield.Overall look, at present our country macroscopical economy is experiencing rapid glide in the round, the initiative of the government of structural transformation of the economy, the real estate industry interlinked, on the upstream industry influence, corporate profit growth will continue to move down, see also observed. The worst of economic time is the best time of insurance funds investment, long-term stability characteristics, and there is no ranked fund pressure, so the insurance money, is Jiancang a good time, the market will have a more long-term bottoming process, reasonable selection of portfolio is Chongzhongzhi is heavy. Before the direct investment of insurance funds in stock market related research is mainly concentrated on the insurance funds to enter the city, the advantages and disadvantages of risk management two aspects, the lack of application and practice. This article is focused on the direct investment of insurance funds in the stock market strategy and based on the current economic environment and investment under the logic of stock and investment combination of specific research, the investment of insurance funds in the stock market is the most important link, and directly related to the current major insurance company profitability, but also the most valuable part, which is the innovation of this paper.