Research Of Life Insurance Investment Fund Use Under The Background Of C-ROSS

"C-ROSS" officially started in 2012, and in February 2015, officially released specific content and got into the implementation of the transition. Atl quarter,2016, it formally implemented regulatory system "C-ROSS". The regulations, means that our country insurance regulation will be taken from "guide" to "risk orientation".Use of insurance funds in 2012 market-oriented reform, the regulatory way to "open the front-end, and focus on the backend ", this greatly stimulated the innovation of the insurance company capital investment activity and development potential. At present, the life insurance companies have been expanding their investment channels, choose the high quality of investment projects, in order to obtain a higher return on investment. For life insurance companies, investment become the main source of profit, how to make full on the premise of risk control of capital investment as the main target. At the same time, the investment strategy as the main part of corporate strategy, directly affects all aspects of the company, including the company’s overall strategic direction and management each link cost expenditure, product structure, and so on.The implementation of the "C-ROSS" compensation with far-reaching significance for the overall development of the insurance market, it is not only the risk supervision system, is also a value management system, risk oriented by establishing quantitative regulatory requirements, on the basis of qualitative regulatory requirements and the market restraint mechanism of the three pillars, the risk faced by insurance company to conduct a comprehensive survey and analysis. It will vigorously promote the use of insurance funds market reform, the concept of the life insurance company investment, investment strategy, asset allocation and investment management, investment performance evaluation will have a profound effect, promote the life insurance company’s total assets and liabilities management system and the establishment of a comprehensive risk management system, improve the efficiency of capital use life insurance funds.In this paper, the "C-ROSS " compensation system as the background for the analysis of life insurance fund investment operation. This paper on the "C-ROSS " compensation rules are introduced and analyzed about the present situation of life insurance funds investment, puts forward the rules of the influence on the use of the life insurance companies and funds as well as the problems that should be paid attention to life insurance funds investment, the second in China life insurance, for example analysis of fund use situation in 2013-2015 to demonstrate "C-ROSS" has effect on the use of the funds investment, finally, draw lessons from foreign experience revelation from the macro environment, supervision level and life insurance companies own three aspects put forward relevant Suggestions and countermeasures.