Study On The Risk Management Of Insurance Investment In China

This article is about the research of insurance investment risk management of China. In thestage of Chinese insurance industry restoration, the business scale is small, investment demand isnot high, so the insurance fund basically come into Bank. But now, in Chine, insurance marketinvestment channel is getting more and more, and because of the open to the outside world, theimpact to our country by foreign market is growing, the risk is spreading from country to country,instability of our capital market increased, so our insurance investment risk is growing. For example,liquidity risk, market risk, credit risk, interest rate risk, operational risk, moral risk, and so on.Based on these risks, first, discuss the investment risk management theory—Asset and liabilitymanagement and investment portfolio theory--from the insurance funds source, destination, and therisks. And research the use of insurance funds, management methods and techniques as well as theinsurance supervision of the market of American, British, and Japan. Management techniques theyuse include cash-flow matching, Risk-Based-Capital, and so on. Then, consider revising our countrymarket on the use of insurance funds and risk management of insurance in China, to find theproblems in the risk management. For example, the structure of assets and liabilities does not match,the risk management system of insurance company is not perfect, law is not perfect and so on, andfind out the reason in the light of these problems. Last, according to China’s situation, draw lessonsfrom foreign advanced management experience, find out appropriate risk management measures forthe insurance company and regulatory authorities.