Research On The Status Quo And Optimization Strategy Of Life-insurance Company Investment Portfolio

In the social economy, provide risk compensation belongs to one of the most basic function of life insurance. Life-insurance company capital investment is conducive to fulfill this function, also can better promote the development of the life insurance companies. As the financial industry three key part of the insurance industry, the insurance subject for the life insurance, it can promote the circulation of funds, thereby effectively promoting the country’s economic prosperity and development. The modern life insurance industry with fierce market competition, which leads to these companies underwriting profits continued to go downhill. At present, modern life insurance to have a better development, should not simply rely on the insurance business, and must be effective use of life insurance funds. The so-called life, that is, life insurance, insurance object for the individual life and death. This insurance requirements during the life insurance, life insurance regardless of in was death or survival status, life insurers should pay insurance gold according to the contractual provisions. In this paper, starting from the life insurance, the life-insurance company portfolio problem analysis.Based on the understanding of the relevant literature review and background information, first outlined and life insurance portfolio closely related theory, for example insurance investment portfolio theory foundation, life insurance funds application principle, foreign life insurance portfolio status and definition. Secondly, analysis specific to Chinese life-insurance company investment combination, put forward its problems, and detailed explanation of why can appear these reasons; then, with the help of sample selection, model construction, such as determining the specific variables, empirical analysis of optimal strategy of life-insurance company investment portfolio; finally, put forward the suggestion should be how to life-insurance company’s portfolio perfect. Recommendations are as follows:the life-insurance company should allow investment multi-target, life-insurance company should advocate the concept of investment diversification, life-insurance company should be to strengthen the internal control system.