The Legal Supervision Of Insurance Fund Application

Insurance funds is one of the important pillars of modern financial market, is animportant driving force to promote the insurance enterprises engaged in assetmanagement. With the continuous development of China’s insurance market and open,market diversification, socialization, underwriting profit management mode intensiveis represent the general trend. Research on the management of insurance funds,improve the company’s overall profit level has become all insurance companies mustface the problem. The insurance company the consolidated profit from its source ismainly composed of two parts, one is an underwriting profit, on the other hand is theprofit funds, investment profit. Throughout the western insurance industry amidst thewinds of change three hundred years, underwriting profit decline, gradually showingthe "premium of a size, use of benefits" situation. However, the insurance investmentis influenced by many factors, such as the macro economic situation, financial andcapital market conditions, insurance funds, insurance business, government regulationfactor. The variations of these factors will directly or indirectly affect the insuranceinvestment way, structure, scale and benefit. In the world political and economicsituation of constant development and change, the insurance investment aspectsnecessary changing. The development of China’s modern insurance industry is justbeginning in the nineteen eighties, although has made the considerable progress, butgenerally speaking, with the developed countries there is a big gap? Insuranceinvestment has a greater gap. Long-term since, using state of the insurance funds isstrictly controlled, the existence of investment proportion is too low, dysplasia, lowefficiency and so many problems in insurance investment. Insurance investmentissues pose a major obstacle to the further development of the insurance industry. Inthe insurance market in the main growing, the insurance market gradually opening upthe case, the problem is more prominent. In order to solve this problem, the state inrecent years began to gradually relax control on the insurance investment, in order toincrease the insurance companies in the investment and management aspects of thedegree of freedom, improve the insurance investment income. Look on the whole, through the development of nearly two years, the insurance investment has mademany improvements in tools, methods, income increase, but due to the macro-economic aspects, due to the international economic problems, because of insuranceinvestment personnel and strategic issues, the effect is not very ideal. In this respect,there are a lot of issues worthy of in-depth study.Insurance underwriting and insurance investment carrying improvecompetitiveness of insurance company, the important mission of promoting prosperityand development of the insurance industry. Directly related to the success or failure ofthe insurance industry, the interests of the insured relationship can be effectivelyprotected, and even affect the health of the entire national economy development andorderly. Countries to establish insurance investment regulatory legal system of itsown characteristics, in order to prevent the risk of insurance investment has animportant role to promote the steady development of the insurance industry. Current,in order to improve the efficiency of the messenger capital investment, slowly beganto open up channels, which makes insurance investment faces a more diverse andcomplex risk environment. Is also an urgent need to strengthen the investment ofinsurance funds supervision. However, due to the late start of China’s insuranceindustry, the lack of regulation of the investment of insurance funds, the messenger ofthe domestic regulatory system formed also take some time, while in the area ofinsurance regulation, the government too powerful, and self-regulation in the thereservation industry and the Association, social supervision, and no special role toplay. This makes the investment of insurance funds increased regulatory costs,making a lot of regulatory efficiency. Therefore, how to improve insuranceinvestment regulatory aspects of the legal system, as well as to better build nationalregulators, industry associations and self-discipline, play a role in promoting thecoordinated development of the insurance investment industry, the need to practice tosolve the problem. Monitoring the investment in the existing legal and insurancesystems, drawing on foreign experience, provides a reasonable proposal for thedevelopment of China’s investment.