The Study On Supervision Of Investment Of Insurance Fund In China

Insurance system is the "social stabilizer", related to the stability anddevelopment of society, and stability of people’s lives. Along with the development ofeconomics and society, the investment of insurance funds expanded largely. However,the investment of insurance funds have a certain degree of risk. If it lacks of effectivesupervision, the solvency of insurance companies will be directly affected, and theinterests of the insured person will be ultimately jeopardized. Therefore, manycountries or regions have established comprehensive supervision systems of theinvestment of insurance funds. For example, the United States, Britain, Japan andTaiwan region of China and so on, they have advanced and mature legal supervisionsystems, and the systems are innovating with the situation at home and abroad.Comparatively speaking, the history of supervision in China is short. The supervisionhas many defects, and does not form a complete system of legal supervision.Therefore, China should learn the experience of legal supervision from the insurancedeveloped countries or region. Our goal is to grasp the world trend of legalsupervision and take specific measures, in order to establish a comprehensive andscientific legal supervision system of investment of insurance funds with solvency asthe core, and with the dual mechanism of the external government supervision andinternal insurance companies supervision.