The Study On Supervision Of Investment Of Insurance Funds In China

With the financial markets continue to innovation anddevelopment, investment way and a plurality of channels,the world insurance industry investment and financingfunctions have become increasingly prominent, the useof insurance funds income become make up theunderwriting loss and underwriting the main pursuit ofhigh efficiency of the main channel. As a social "stabilizer ", insurance system in the application ofinsurance fund not only determine the pricing ofinsurance products and insurance companies operatingprofits, but also the national economy investment fromsingle to diversified conversion is an important form ofsavings, to national economy to last, fast, healthyprogress has important role. But in the use of insurancefunds in both theory and practice, because of the use ofinsurance funds in China is not perfect in theory, inpractice the operation is also very not normative, the use of insurance funds supervision has become theinsurance agencies, insurance regulators, academicfocus problem.China’s insurance industry to run a relatively shorthistory, the insurance industry to run a mechanism ofmature compared to western countries, the use ofinsurance funds in China still exist many problems, suchas imperfect legal system, supervision of insuranceinvestment channels into a single, life and property andcasualty insurance funds supervision, failed todiscriminate between the financial regulatory body wasset up, the settlement of these problems not only relatedto the survival and development of insurance companies,but also indirectly affect the development of China’scapital market status. Therefore, improve the use ofinsurance funds supervision system, is to reduce the riskof the use of insurance funds, insurance funds utilizationfactor of safety enhancement is an important measurefor the optimization of the insurance, capital structure, improve the proceeds of insurance funds have animportant role, is to improve the solvency of insurancecompanies, to ensure the sustainable development ofChina’s insurance industry the route one must take.