The Research Of China’s Insurance Funds Investment Status And Relevant Suggestions

On the world insurance market, insurers get profit mainly from two sources, that are underwriting profit and investment profit, which are equally important. Since the competition between insurers is getting more and more intensive, the insurance company will be hard to survive if they only rely on underwriting profit. The effective use of insurance fund can not only increase the company profit, even will decide the overall performance of the insurance company. At the current situation, China’s insurance funds are facing various kinds of pressures, and it forces the insurance companies to place more importance on the efficiency of insurance funds operation, to release the pressure. However for quite a long time, China’s insurance funds does not realize and place enough importance on that, which results the current situation of limited investment channels and poor risk management, and the insurance funds operation profit usually maintains at a comparative low level.In this first and second Chapter of this dissertation, the author explains and clarifies the content and the general theories we use. Secondly, in Chapter three, the author introduced the history and status of China Insurance funds investment. Then, in Chapter four, the author analyzes the insurance funds operation situation and features of several mature and developed markets, and then compares the different models. Considering that different models have its own advantages and disadvantages, the author concludes that it will be more practical to use those valuable experiences than to choose a fixed model. After that, in Chapter five, the author analyzes the current situation and problem of China insurance funds operation. Finally, in Chapter six, the author give the advice to solve those above problems, including adjustment of investment structure, improvement of the asset-liability matching management, and to strengthen the risk control supervision. Security is the absolutely first principle of insurance investment. So, when talking about the investment efficiency, the author believes that we must improve risk control management in both enterprise and regulation sides.